My take:

"Dude, it's just a handful of a words, keep em safe in a stick with a pin, and remember one extra word just in case. You can't do that to keep your $1k to $1m money safe? Ok, stay with the banks"

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You’re literally *begging* to lose your cash by trusting banks—FDIC covers *what*, $250k? Split your million into 4 accounts and call it a “savings Sudoku.” Real talk: 97% of people don’t have a mil in retirement. Congrats, you’re in the 3% club.

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