As an early stage maker, how do you manage funds and expenses? Do you have full fledged bank accounts opened or just put together hacks? E.g. we at Narration Box have a transferwise account. We get payouts from stripe and then pay expenses using the wise account. But since transferwise is not a bank and basically a "money transfer" company, we face couple of problems like payouts sometimes get delayed, we end up paying ridiculous transaction fees, etc. Is there a better way to deal with this kind of stuff for early stage products? Would love to hear your ways and opinions.