Last night I went for a night run and checked the blockchain again, and I saw the group talking about “stablecoin audits” and “de-pegging,” which made me tense up. I immediately reached for my wallet… To put it simply, when my assets weren’t that big, I used a hardware wallet plus a copy of the seed phrase—easy and reassuring. When the funds started to look more serious, multi-signature became necessary. Don’t put the key parts of your life into just one private key, but also don’t let yourself get stuck in a signing mess that makes you want to quit. If you also need your family to be able to take over, social recovery is a pretty good fit: choose a few people/devices as “keys,” but also remember that human relationships and trust come with a cost. Anyway, my principle right now is just one: don’t wait until the gas/transaction fees on the mainnet suddenly become ridiculously high, and then change your configuration on the fly—because the more you change, the more chaotic it gets.