Recently, I’ve seen everyone comparing RWA, what US bond yields, and on-chain yield products, discussing them as passionately as watching a TV drama. But honestly, don’t rush to choose “returns” first; think about this: if you lose this money, will you be able to sleep at night?

If the amount isn’t large yet and mainly managed by yourself, a hardware wallet is enough—more trouble but more peace of mind; when it reaches a level where “losing it once is truly deadly,” I actually trust multi-signature more, at least it’s not all over with a single slip-up. Restoring social connections sounds great, but essentially it’s just shifting risk onto “people”—friends being reliable is life-saving, but when things go south, it’s pretty awkward… Anyway, right now I think: the more money I have, the less I want to test human nature.