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Best practice: hold your BTC in some type of multi-factor wallet
Larger stack: consider a collaborative custody multisig with casa, unchained, nunchuk, liana, etc. All have pros and cons, but all greatly reduce risk of total loss upon death. Don't try DIY multsig, most ppl with mess it up
Smaller stack: poor man's multisig (singlesig + passphrase). Share seed phrase with heirs, passphrase with executor (someone not an heir). Again, pros and cons, but pretty simple so reduces risk of catestrophic loss.
Don't rely on treasure maps, letters of instruction, those fail WAY more often than you think.
Passphrase ONLY with the executor, no backup? It seems like a single point of failure.
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With the executor, and all successor (backup) executors
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