Savings in cold storage using a signing device. Can keep some on a mobile hot wallet for spending. Back up your seed words for your savings on steel. Use a strong passphrase but store separately from your seed. This is in case your back up is found by someone, without passphrase they still will not be able to access the funds. For a beginner, I’d say Blockstream Jade or Trezor with bitcoin only firmware will work for your needs.

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