<prompt> Human: Hi Reddit!So I am moving to LA in July for a postdoc position in UCLA but will be paid by a Swiss fellowship. In order to avoid US income taxes, the Swiss National Science foundation will wire my two years of salary -- 130000 -- before I depart for the US. So now to the question: what is the most lucrative way of storing this money given that I already have an emergency fund. Would it make sense to have it all in some low risk and liquid asset and unlocking 36 months worth of salary at a time? Or is having this money sitting in a savings account my only sound option?Assistant: In order to avoid US income taxes, the Swiss National Science foundation will wire my two years of salary -- 130000 -- before I depart for the US.This is really odd in my personal experience. Usually, your entire salary is distributed to the principal investigators research institution accounts for postdocs, usually they are their own PI, and then disbursed monthly by the research institution. Are you certain this is not the case? I would call your PI and talk to any other international postdocs to see what they say. Human: It is one option, but the swiss government standard procedure is to pay upfront. They are pretty transparent about the procedure. Money is supposed to be wired in a couple of weeks...  <response>: Reading through the other replies, definitely seems like everything is correct. Ill have to find a swiss postdoc sometime and talk to them about it. Anyways, use the resources UCLA is providing for international postdocs. There should be a postdoc association and an international postdoc association might be part of the international student association to see if theres special housing available. They should also be a good lead on what apartments people are living in. Ask people in your future lab what their cost of living looks like, and then base your early budget off of that. 