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I recommend a hardware wallet to most everyone. But unfortunately, Steem does not have a hardware wallet option. So this would be Bitcoin and Ethereum based tokens.

Yeah I understand the only thing that I own outside of #STEEM I move it to exchanges. I guess the amount is too small to worry but a couple times I've lost all #LBRY tokens :P because I did not back them up. I like the fact that I can loose everything (but the password) in steemit and still be good.