okay lets say you have,

1) hard wallet

2) coinbase

3) paypal

4) bank account

the hard wallet is not linked to anything

it should have 50% or more of your crypto holdings.

2,3,4 can be mixed any which way.

so if the crypto funds are 10000usd

5000usd of coin in a hard wallet

5000usd mixed coins and cash at paypal coinbase bank

obvious you could have more exchanges then coinbase.

the numbers are a suggestion and could vary.