The alarm clock on my desk annoys me twice a day: once to get up, and once to remind me not to stick my private key on the monitor like a sticky note... Back to the main point: hardware wallets are for people whose assets aren’t small, but also aren’t big enough yet to warrant all the hassle. At the very least, keep the signing step separate from your network-connected devices—don’t just confirm everything with a swipe on your phone. If you make a mistake, don’t blame the “slippage” for it.

If your assets are even bigger, or the money is shared at home or within a team, don’t put your faith in “one person keeping it safest.” Multi-signature is more like an access card: to move the funds, you need enough people and/or devices. It’s a hassle, but it helps prevent slips—like mistakes made by accident—as well as social engineering. As for social recovery, it’s suitable for people with poor memory who are afraid of losing their keys, but only if you truly have reliable “social” relationships—not just friends from a group you joined three days ago.

The kind of news lately about taxes and compliance being tightened, then loosened, then tightened again matters most for one thing: your deposit/withdrawal mindset. The less certain you are, the easier it is to make chaotic moves. Don’t rush to switch strategies—first, break down that “one spot to go wrong” into pieces. Let’s start there.