Every year I do a risk assessment. How comfortable am I with key setup, how comfortable am I with brokerage setup, political climate stability. And slowly move more to BTC depending on the outcome.

I would love to have the whole family on board as backups and trained up on keys and wallets, but until that happens there is a responsibility to make my decisions don't impact others...

Plus the Health Savings Account is tax free tlnow for anyone's health expenses.