I like Liquid, recommend it to noobs all the time.
My goal is to use Aqua Wallet as my "checking" account by the end of this epoch. I'm starting out small and I'll still need to use legacy banks to pay my mortgage and some bills, but that's all I need in them.
I also started using Dave Ramsey's envelope system, but I use green wallet.
Here's what I mean.
I budget $50 a month for clothes. I swap $50 worth of sats to L-TC with Aqua Wallet. Then I send that to a green wallet.
I save $40 a month for computer parts so that goes to another liquid wallet.
Then, when I need to buy new RAM or whatever, I buy RAM with sats out of my green wallet computer envelope. New Egg accepts bitcoin or I can buy a Visa gift card if the fees to buy on New Egg are to high.