ah yeah you could I think do XOR by hand but I sure wouldn't want to.

I would think the easiest way to be purely manual is to just use a passphrase.  it's easily memorizable, and it doesn't look like a seed phrase so you can hide it in multiple places, even pretty openly, as it doesn't on its own reveal or even imply anything.

You could also consider a "border wallet", which requires some digital prep like printing a paper, but I don't think it requires you to use a computer for calculations.

Chalice_of_blood

I'm not familiar with XOR splitting. Would you have a guide for me to look into?

From my quick search, it looks like you need all the shards to recover the original seed, which isn't great for loss protection. You'd have to back up each shard separately, which complicates storage.

Anyway, I focused purely on manual methods that can be done with just pen and paper. If XOR needs hardware wallets or digital tools, I'd treat it like Shamir Secret Sharing: interesting but outside the scope of this guide.

bitcoin

How to Split a Seed Phrase: A Guide to Hardening Your Backup

Hypno

I'm not familiar with XOR splitting. Would you have a guide for me to look into?

From my quick search, it looks like you need all the shards to recover the original seed, which isn't great for loss protection. You'd have to back up each shard separately, which complicates storage.

Anyway, I focused purely on manual methods that can be done with just pen and paper. If XOR needs hardware wallets or digital tools, I'd treat it like Shamir Secret Sharing: interesting but outside the scope of this guide.