keep a small amount in a hot wallet (Phoenix) for everyday stuff.

Most of it goes in a cold wallet, with the seed backed up offline (metal backup, not paper).

I also share part of the seed with someone I trust in a different location, just in case something happens here.

I practice restoring wallets now and then, and I'm experimenting with multisig too - way safer for bigger stacks.

Self-custody is powerful, but yeah... it's all on you. Having a plan helps me sleep better