Clarification on financial questions for Schengen visa interview guide

Hi everyone, I am drafting a comprehensive blog post guide for first-time Schengen visa applicants. I have been analyzing recent popular tutorials on YouTube to compile a list of standard interview questions and the best strategic answers.

However, I am finding conflicting information regarding the “means of subsistence” question. Some tutorials suggest stating you are carrying cash is sufficient, while others insist on mentioning credit cards and traveler’s cheques specifically.

Does anyone have recent experience with what interviewers are actually looking for when they ask how you will fund your trip?

Realizing this is a common point of confusion, the Consulate generally prefers verifiable electronic funds over cash. Further, while cash is legal, relying on it solely often triggers scrutiny regarding money laundering or temporary loans.