I'm not very good at managing money in the "financial freedom" kind of detail, but I do have a bit of OCD when it comes to managing multi-chain wallets… Now my assets are fragmented everywhere, sometimes in the main wallet, sometimes in test wallets, and I even forget which address did what.

My current approach is pretty simple: categorize by "purpose," with one main wallet only for long-term holdings and large transfers, and all interactions/airdrops go into a few fixed "work wallets." Each wallet is only linked to one or two chains, so it doesn't jump around to some small chain after Ethereum today. I also keep a simple spreadsheet to record three things: address, last interaction time, and what type of projects this wallet is involved in. Anyway, don’t rely on memory.

Recently, I saw everyone complaining about validator income, MEV, unfair ordering, and so on, and I can relate a bit: the more these issues come up, the less I want to scatter assets everywhere. Queue jumping on-chain makes my mood explode… So, I try to merge accounts when possible, avoid cross-chain transfers if I can, and first figure out exactly how many wallets I have.