Managing Money Flows 2026 | Sakthi Priyan H

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sakthipriyan.com/building-wealth
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<h2 class="title-scramble">Managing Money Flows 2026</h2>
<br/>
<h3 class="subtitle-fade" data-gsap='{"from": {"opacity": 0, "y": 30}, "duration": 1, "delay": 2.5}'>Designing a Personal Finance System</h3>
<h4 class="subtitle-fade" data-gsap='{"from": {"opacity": 0, "y": 30}, "duration": 1, "delay": 4.5}'>using Bank Accounts, Credit Cards & Mutual Funds</h4>
<h4 class="subtitle-fade2" data-gsap='{"from": {"opacity": 0, "y": 30}, "duration": 1, "delay": 5}'>Apr 25, 2026</h4>
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---

### Disclaimer

|  | |
|---------------|----------------|
| **Personal Variation** | What works for me may not suit everyone. |
| **Educational Purpose** | For learning only, not financial advice. |
| **Investment Risk** | Values can rise or fall; capital may be lost. |
| **Regulatory Note** | Check local laws and tax rules before investing. |
| **Personal Responsibility** | Viewers are responsible for their own decisions             |

---

## 1️⃣ The Core Idea

> Money separated by **purpose**,  
> **budgeted** yearly & **allocated** monthly.

*Each bank account serves a specific purpose.*
<br/>
<br/>
<br/>
<br/>
<br/>
--

### My Bank Accounts  
| 🏦 **Account Type** | 💡 **Purpose** |
|----------------------|------------------------|
| 💰 **Income** | Where salary or income lands |
| 📈 **Investment** | For long-term wealth building  |
| 📈 **Investment Intl.** | For international forex routing  |
| 🧾 **Expense** | For all regular bills and daily expenses |
| 🏥 **Medical** | For health-related expenses |
| ✈️ **Travel** | For trips, vacations and experiences |
--

### My Credit Cards
| 💳 **Credit Card** | 💡 **Purpose** |
|--------------------|----------------------|
| 🧾 **Primary** | All Expenses, Travel and Gold schemes |
| 🏥 **Medical (Addon)** | Exclusive for Medical Expenses |
| 🛒 **Back up** | Bank redundancy in case Primary fails |

### Overview

```dot
digraph FinanceArchitecture {

rankdir=TB;
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [
    shape=rectangle,
    style="rounded,filled",
    fontname="Inter",
    fontsize=13,
    fillcolor="#f7fbff"
  ];

edge [
    arrowsize=0.9,
    fontname="Inter",
    fontsize=11,
    color="#2b7cff"
  ];

// --- Income ---
  Salary [
    label="💼 Salary / Income",
    shape=folder,
    fillcolor="#e8f3ff"
  ];

// --- Routing Layer ---
  subgraph cluster_routing {
    label="🏦 Routing Layer (Bank Accounts)";
    style="rounded,dashed";
    color="#4a90e2";

IncomeAcc [label="💰 Income Account", shape=folder, fillcolor="#e6f7ff"];
    InvestmentAcc [label="📈 Investment Accounts", shape=folder, fillcolor="#e6f7ff"];
    ExpenseAcc [label="🧾 Expense Accounts", shape=folder, fillcolor="#e6f7ff"];

{ rank=same; IncomeAcc; InvestmentAcc; ExpenseAcc; }
  }

// --- Outcomes ---
  Rewards [
    label="✨ Reward Points",
    shape=folder,
    fillcolor="#f9f0ff"
  ];

// --- Credit Card Layer ---
  CreditCard [
    label="💳 Credit Cards",
    shape=folder,
    fillcolor="#fff4e6"
  ];

// --- Expenses ---
  Expenses [
    label="💳 Expenses",
    shape=folder,
    fillcolor="#ffeaea"
  ];

Assets [
    label="🏆 Multiple Goals & \n Global Multi Asset Portfolio",
    shape=folder,
    fillcolor="#fffbe6"
  ];

// --- Core Flow ---
  Salary -> IncomeAcc [label=" Salary Credit"];

IncomeAcc -> InvestmentAcc [label=" Allocate"];
  IncomeAcc -> ExpenseAcc [label=" Allocate"];
  InvestmentAcc -> ExpenseAcc [label=" Redeem"];

// --- Investments ---
  InvestmentAcc -> Assets [label=" Invest"];

// --- Spending Paths ---
  ExpenseAcc -> Expenses [label=" UPI"];

ExpenseAcc -> CreditCard [label=" Bill Payment", style=dotted];
  InvestmentAcc -> CreditCard [label=" Bill Payment", style=dotted];

CreditCard -> Expenses [label=" Spend"];

// --- Rewards ---
  CreditCard -> Rewards [label=" Earn", constraint=false];
  Rewards -> Expenses [label=" Redeem"];

// --- Asset Creation via Card ---
  CreditCard -> Assets [label=" Gold Schemes"];

// --- Layout hints ---
  { rank=same; Rewards; CreditCard; }
  { rank=same; Assets; Expenses; }
}
```

---

## 2️⃣ Investments 📈
```dot
digraph InvestmentFlow {
  rankdir=TB; // top-to-bottom
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

// --- Bank Accounts Cluster ---
  subgraph cluster_banks {
    label="🏦 Bank Accounts";
    style="rounded,dashed";
    color="#4a90e2";
    fontcolor="#1a4b99";
    fontsize=13;
    fontname="Inter";
    margin=12;
    invis=true;
    Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"];
    Investment [label="📈 Investment Account", shape=folder, fillcolor="#e6f7ff"];
    IntlAccount [label="🏦 Investment Intl. Account", shape=folder, fillcolor="#e6f7ff", style="invis"];

{ rank=same; Salary; Investment; IntlAccount; }
  }

// --- Mutual Funds and Categories ---
  MutualFunds [label="📊 Mutual Funds / ETFs", shape=folder, fillcolor="#e6fff0", style="invis"];
  INEquity [label="🇮🇳 Indian Equity Index Funds", shape=folder, fillcolor="#f0fff0", style="invis"];
  DebtMF [label="💰 Debt / Arbitrage Funds", shape=folder, fillcolor="#f0fff0", style="invis"];

// --- International Investments ---
  IntlBroker [label="🌍 International Broker Account", shape=folder, fillcolor="#fff4e6", style="invis"];
  USEquity [label="🇺🇸 US Equity (NASDAQ 100)", shape=folder, fillcolor="#fff7e6", style="invis"];

CreditCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6", style="invis"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff", style="invis"];
  }

// --- Gold Cluster ---
  subgraph cluster_gold {
    label="🏆 Gold Investments";
    style="rounded,dashed,invis";
    color="#ffd700";
    fontcolor="#c09000";
    fontsize=13;
    fontname="Inter";

GoldMF [label="🏅 Gold Mutual Fund / ETFs", shape=folder, fillcolor="#fffbe6", style="invis"];
    GoldScheme [label="👑 Gold Jewellery Scheme", shape=folder, fillcolor="#fff4cc", style="invis"];
  }

// --- Flows ---
  
  Salary -> Investment [label=" Monthly allocation"];
  edge [style="invis"];
  Investment -> IntlAccount [label=" Fund allocation"];
  Investment -> MutualFunds [label=" Mutual Fund purchases"];
  MutualFunds -> INEquity [label="Equity"];
  MutualFunds -> DebtMF [label="Debt"];
  MutualFunds -> GoldMF [label=" Digital Gold"];

// --- Updated International Flow ---
  IntlAccount -> IntlBroker [label=" INR to USD"];
  IntlBroker -> USEquity [label=" Buy ETFs"];

// --- Credit Card & Rewards Flow ---
  Investment -> CreditCard [label=" Bharat Connect (Bill Pay)", style="dotted,invis"];
  CreditCard -> GoldScheme [label=" Physical Gold"];
  CreditCard -> RewardPoints [label=" Earn"];
}
```

--

## 2️⃣ Investments 📈
```dot
digraph InvestmentFlow {
  rankdir=TB; // top-to-bottom
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

{ rank=same; Salary; Investment; IntlAccount; }
  }

// --- Mutual Funds and Categories ---
  MutualFunds [label="📊 Mutual Funds / ETFs", shape=folder, fillcolor="#e6fff0"];
  INEquity [label="🇮🇳 Indian Equity Index Funds", shape=folder, fillcolor="#f0fff0"];
  DebtMF [label="💰 Debt / Arbitrage Funds", shape=folder, fillcolor="#f0fff0"];

CreditCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6", style="invis"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff", style="invis"];
  }

// --- Gold Cluster ---
  subgraph cluster_gold {
    label="🏆 Gold Investments";
    style="rounded,dashed";
    color="#ffd700";
    fontcolor="#c09000";
    fontsize=13;
    fontname="Inter";

GoldMF [label="🏅 Gold Mutual Fund / ETFs", shape=folder, fillcolor="#fffbe6"];
    GoldScheme [label="👑 Gold Jewellery Scheme", shape=folder, fillcolor="#fff4cc", style="invis"];
  }

// --- Flows ---
  
  Salary -> Investment [label=" Monthly allocation"];
  Investment -> IntlAccount [label=" Fund allocation", style="invis"];
  Investment -> MutualFunds [label=" Mutual Fund purchases"];
  MutualFunds -> INEquity [label="Equity"];
  MutualFunds -> DebtMF [label="Debt"];
  MutualFunds -> GoldMF [label=" Digital Gold"];
  edge [style="invis"];
  // --- Updated International Flow ---
  IntlAccount -> IntlBroker [label=" INR to USD"];
  IntlBroker -> USEquity [label=" Buy ETFs"];

--

## 2️⃣ Investments 📈
```dot
digraph InvestmentFlow {
  rankdir=TB; // top-to-bottom
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

{ rank=same; Salary; Investment; IntlAccount; }
  }

CreditCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff"];
  }

// --- Gold Cluster ---
  subgraph cluster_gold {
    label="🏆 Gold Investments";
    style="rounded,dashed";
    color="#ffd700";
    fontcolor="#c09000";
    fontsize=13;
    fontname="Inter";

GoldMF [label="🏅 Gold Mutual Fund / ETFs", shape=folder, fillcolor="#fffbe6"];
    GoldScheme [label="👑 Gold Jewellery Scheme", shape=folder, fillcolor="#fff4cc"];
  }

// --- Updated International Flow ---
  IntlAccount -> IntlBroker [label=" INR to USD", style="invis"];
  IntlBroker -> USEquity [label=" Buy ETFs", style="invis"];

// --- Credit Card & Rewards Flow ---
  Investment -> CreditCard [label=" Bharat Connect (Bill Pay)", style="dotted"];
  CreditCard -> GoldScheme [label=" Physical Gold"];
  CreditCard -> RewardPoints [label=" Earn"];
}
```

--

## 2️⃣ Investments 📈

```dot
digraph InvestmentFlow {
  rankdir=TB; // top-to-bottom
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

{ rank=same; Salary; Investment; IntlAccount; }
  }

// --- International Investments ---
  IntlBroker [label="🌍 International Broker Account", shape=folder, fillcolor="#fff4e6"];
  USEquity [label="🇺🇸 US Equity (NASDAQ 100)", shape=folder, fillcolor="#fff7e6"];

CreditCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff"];
  }

// --- Gold Cluster ---
  subgraph cluster_gold {
    label="🏆 Gold Investments";
    style="rounded,dashed";
    color="#ffd700";
    fontcolor="#c09000";
    fontsize=13;
    fontname="Inter";

GoldMF [label="🏅 Gold Mutual Fund / ETFs", shape=folder, fillcolor="#fffbe6"];
    GoldScheme [label="👑 Gold Jewellery Scheme", shape=folder, fillcolor="#fff4cc"];
  }

// --- Flows ---
  Salary -> Investment [label=" Monthly allocation"];
  Investment -> MutualFunds [label=" Mutual Fund purchases"];
  MutualFunds -> INEquity [label="Equity"];
  MutualFunds -> DebtMF [label="Debt"];
  MutualFunds -> GoldMF [label=" Digital Gold"];

// --- Updated International Flow ---
  Investment -> IntlAccount [label=" Fund allocation"];
  IntlAccount -> IntlBroker [label=" INR to USD"];
  IntlBroker -> USEquity [label=" Buy ETFs"];

---

## 3️⃣ Living Expenses 🧾

```dot
digraph ExpensesFlow {
  rankdir=TB;
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"];
    ExpenseAccount [label="🧾 Expense Account", shape=folder, fillcolor="#e6f7ff"];

{ rank=same; Salary; ExpenseAccount; }
  }

PrimaryCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6", style="invis"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff", style="invis"];
  }

// --- Card Payment Interfaces Cluster ---
  subgraph cluster_interfaces {
    label="📱 Card Interfaces";
    style="rounded,dashed,invis";
    color="#2b7cff";
    fontcolor="#1a4b99";
    fontsize=13;
    fontname="Inter";

SamsungWallet [label="⌚ Samsung Wallet\n(me/mobile)", shape=folder, fillcolor="#e6f7ff", style="invis"];
    GooglePay [label="📱 Google Pay\n(spouse)", shape=folder, fillcolor="#e6f7ff", style="invis"];
    PhysicalCard [label="💳 Physical Card", shape=folder, fillcolor="#e6f7ff", style="invis"];
    VoucherSystem [label="🎟️ Voucher System", shape=folder, fillcolor="#fffbe6", style="invis"];

{ rank=same; SamsungWallet; GooglePay; PhysicalCard; VoucherSystem; }
  }

// --- UPI Payment Interfaces Cluster ---
  subgraph cluster_upi_interfaces {
    label="🔗 UPI Interfaces";
    style="rounded,dashed,invis";
    color="#00a86b";
    fontcolor="#008050";
    fontsize=13;
    fontname="Inter";

UPISamsung [label="⌚ Samsung Wallet\n(me)", shape=folder, fillcolor="#e6fff0", style="invis"];
    UPIGoogle [label="📱 Google Pay\n(Spouse/UPI Circle)", shape=folder, fillcolor="#e6fff0", style="invis"];

{ rank=same; UPISamsung; UPIGoogle; }
  }

// --- Expenses Cluster ---
  subgraph cluster_expenses {
    label="💰 Expenses";
    style="rounded,dashed,invis";
    color="#ff6b81";
    fontcolor="#c0392b";
    fontsize=13;
    fontname="Inter";

Expenses [label="💰 Expenses", shape=folder, fillcolor="#f0fff0", style="invis"];
  }

// --- Allocation Flows ---
  Salary -> ExpenseAccount [label=" Monthly Allocation", weight=10];
  Salary -> ExpenseAccount [label=" Yearly Allocation", style=dashed];

edge [style="invis"];
  // --- UPI Spending Flows ---
  ExpenseAccount -> UPISamsung [label=" Linked"];
  ExpenseAccount -> UPIGoogle [label=" Linked"];
  UPISamsung -> Expenses [label=" Scan to Pay"];
  UPIGoogle -> Expenses [label=" Scan to Pay"];

// --- Credit Card Bill Payment Flows ---
  ExpenseAccount -> PrimaryCard [label=" Bill Payment (direct)", style="invis"];

// --- Spending Flows (Vouchers) ---
  PrimaryCard -> VoucherSystem [label=" Buy Vouchers"];
  VoucherSystem -> Expenses [label=" Redeem Vouchers"];

// --- Spending Flows (Primary Card Intermediaries) ---
  PrimaryCard -> SamsungWallet [label=" Linked"];
  PrimaryCard -> GooglePay [label=" Linked"];
  PrimaryCard -> PhysicalCard [label=" Linked"];

PhysicalCard -> Expenses [label=" Tap or Insert"];
  SamsungWallet -> Expenses [label=" Tap to Pay"];
  GooglePay -> Expenses [label=" Tap to Pay"];

// --- Rewards Flows ---
  PrimaryCard -> RewardPoints [label=" Earn"];
}
```

--

## 3️⃣ Living Expenses 🧾

```dot
digraph ExpensesFlow {
  rankdir=TB;
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"];
    ExpenseAccount [label="🧾 Expense Account", shape=folder, fillcolor="#e6f7ff"];

{ rank=same; Salary; ExpenseAccount; }
  }

PrimaryCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6", style="invis"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff", style="invis"];
  }

{ rank=same; SamsungWallet; GooglePay; PhysicalCard; VoucherSystem; }
  }

// --- UPI Payment Interfaces Cluster ---
  subgraph cluster_upi_interfaces {
    label="🔗 UPI Interfaces";
    style="rounded,dashed";
    color="#00a86b";
    fontcolor="#008050";
    fontsize=13;
    fontname="Inter";

UPISamsung [label="⌚ Samsung Wallet\n(me)", shape=folder, fillcolor="#e6fff0"];
    UPIGoogle [label="📱 Google Pay\n(Spouse/UPI Circle)", shape=folder, fillcolor="#e6fff0"];

{ rank=same; UPISamsung; UPIGoogle; }
  }

// --- Expenses Cluster ---
  subgraph cluster_expenses {
    label="💰 Expenses";
    style="rounded,dashed";
    color="#ff6b81";
    fontcolor="#c0392b";
    fontsize=13;
    fontname="Inter";

Expenses [label="💰 Expenses", shape=folder, fillcolor="#f0fff0"];
  }

// --- Allocation Flows ---
  Salary -> ExpenseAccount [label=" Monthly Allocation", weight=10];
  Salary -> ExpenseAccount [label=" Yearly Allocation", style=dashed];

// --- UPI Spending Flows ---
  ExpenseAccount -> UPISamsung [label=" Linked"];
  ExpenseAccount -> UPIGoogle [label=" Linked"];
  UPISamsung -> Expenses [label=" Scan to Pay"];
  UPIGoogle -> Expenses [label=" Scan to Pay"];

edge [style="invis"];
  // --- Credit Card Bill Payment Flows ---
  ExpenseAccount -> PrimaryCard [label=" Bill Payment (direct)", style="invis"];

// --- Spending Flows (Vouchers) ---
  PrimaryCard -> VoucherSystem [label=" Buy Vouchers"];
  VoucherSystem -> Expenses [label=" Redeem Vouchers"];

PhysicalCard -> Expenses [label=" Tap or Insert"];
  SamsungWallet -> Expenses [label=" Tap to Pay"];
  GooglePay -> Expenses [label=" Tap to Pay"];

// --- Rewards Flows ---
  PrimaryCard -> RewardPoints [label=" Earn"];
}
```

--

## 3️⃣ Living Expenses 🧾

```dot
digraph ExpensesFlow {
  rankdir=TB;
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"];
    ExpenseAccount [label="🧾 Expense Account", shape=folder, fillcolor="#e6f7ff"];

{ rank=same; Salary; ExpenseAccount; }
  }

PrimaryCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff"];
  }

// --- Card Payment Interfaces Cluster ---
  subgraph cluster_interfaces {
    label="📱 Card Interfaces";
    style="rounded,dashed";
    color="#2b7cff";
    fontcolor="#1a4b99";
    fontsize=13;
    fontname="Inter";

SamsungWallet [label="⌚ Samsung Wallet\n(me/mobile)", shape=folder, fillcolor="#e6f7ff", style="invis"];
    GooglePay [label="📱 Google Pay\n(spouse)", shape=folder, fillcolor="#e6f7ff", style="invis"];
    PhysicalCard [label="💳 Physical Card", shape=folder, fillcolor="#e6f7ff"];
    VoucherSystem [label="🎟️ Voucher System", shape=folder, fillcolor="#fffbe6", style="invis"];

{ rank=same; SamsungWallet; GooglePay; PhysicalCard; VoucherSystem; }
  }

UPISamsung [label="⌚ Samsung Wallet\n(me)", shape=folder, fillcolor="#e6fff0"];
    UPIGoogle [label="📱 Google Pay\n(Spouse/UPI Circle)", shape=folder, fillcolor="#e6fff0"];

{ rank=same; UPISamsung; UPIGoogle; }
  }

// --- Expenses Cluster ---
  subgraph cluster_expenses {
    label="💰 Expenses";
    style="rounded,dashed";
    color="#ff6b81";
    fontcolor="#c0392b";
    fontsize=13;
    fontname="Inter";

Expenses [label="💰 Expenses", shape=folder, fillcolor="#f0fff0"];
  }

// --- Allocation Flows ---
  Salary -> ExpenseAccount [label=" Monthly Allocation", weight=10];
  Salary -> ExpenseAccount [label=" Yearly Allocation", style=dashed];

// --- Credit Card Bill Payment Flows ---
  ExpenseAccount -> PrimaryCard [label=" Bill Payment (direct)", style="dotted"];

// --- Spending Flows (Vouchers) ---
  PrimaryCard -> VoucherSystem [label=" Buy Vouchers", style="invis"];
  VoucherSystem -> Expenses [label=" Redeem Vouchers", style="invis"];

// --- Spending Flows (Primary Card Intermediaries) ---
  PrimaryCard -> SamsungWallet [label=" Linked", style="invis"];
  PrimaryCard -> GooglePay [label=" Linked", style="invis"];
  PrimaryCard -> PhysicalCard [label=" Linked"];

PhysicalCard -> Expenses [label=" Tap or Insert"];
  SamsungWallet -> Expenses [label=" Tap to Pay", style="invis"];
  GooglePay -> Expenses [label=" Tap to Pay", style="invis"];

// --- Rewards Flows ---
  PrimaryCard -> RewardPoints [label=" Earn"];
}
```

--

## 3️⃣ Living Expenses 🧾

```dot
digraph ExpensesFlow {
  rankdir=TB;
  bgcolor=transparent;
  splines=true;
  overlap=false;

node [shape=rectangle, style="rounded,filled", fontname="Inter", fontsize=12, fillcolor="#f7fbff"];
  edge [arrowsize=0.9, fontname="Inter", fontsize=10, color="#2b7cff"];

Salary [label="💼 Salary Account", shape=folder, fillcolor="#e8f3ff"];
    ExpenseAccount [label="🧾 Expense Account", shape=folder, fillcolor="#e6f7ff"];

{ rank=same; Salary; ExpenseAccount; }
  }

PrimaryCard [label="🧾 Primary Credit Card", shape=folder, fillcolor="#fff4e6"];
    RewardPoints [label="✨ Reward Points", shape=folder, fillcolor="#f9f0ff"];
  }

SamsungWallet [label="⌚ Samsung Wallet\n(me/mobile)", shape=folder, fillcolor="#e6f7ff", style="invis"];
    GooglePay [label="📱 Google Pay\n(spouse)", shape=folder, fillcolor="#e6f7ff", style="invis"];
    PhysicalCard [label="💳 Physical Card", shape=folder, fillcolor="#e6f7ff"];
    VoucherSystem [label="🎟️ Voucher System", shape=folder, fillcolor="#fffbe6"];