Quote from: Algominer2 on Today at 03:11:19 PM

I have a ledger but the repsonsibility scares me to death tbh so I still hold coins on an exchange too, which i know is terrible but I'd never forgive myself if I became one of those stories of a lost private key or password and losing everything I worked so hard for!

You are storing your bitcoin the wrong way. Bitcoin is designed not to be kept with a third-party because is decentralized and should be used in a decentralized way. However, keeping your coins in an exchange increases the chance of you losing your hard earned money to scammers. The exchange can be hacked, go bankrupt or pull an exit scam. FTX and Luna crash is a big lesson to many people who didn't listen to the advice of not your keys, not your coins.

It's easy to use self custody wallets. To avoid losing your seed phrase, you should write it down in a piece of paper and make three duplicates, keep their in three different locations very far from each other. If one is lost, you can use the other to retrieve your wallet.