I use Metamask, no problems yet, feels safe to me. I don't think I will ever have enough to crypto investments to worry about a hardware wallet because all my crypto is staked, and therefore not technically in my wallet until withdrawn and converted to fiat. But even then, it will only be in my MetaMask for a brief moment before sending to Binance.US, or other cash-out options.

Without having to pay rent, we could live comfortably off of the passive income from $4,000 USD in PancakeSwap.