You guys have a backup plan in case of dementia or amnesia due to brain trauma from an accident or something?

I’ve been stuck on this lately. Everyone talks about death planning, but what if I’m alive and just... can’t remember? A bad accident, a stroke, early dementia. Writing down your seed phrase doesn’t help if you can’t remember you did it, where it is, or how to use it.

For those of you with serious holdings, do you have a real plan for incapacity, not just death? Ideally I’d want a trusted family member to know a recovery process exists without them having the keys unless it’s actually needed. I’ve been thinking about a sealed letter of instructions, a hardware wallet with a separate PIN, or multisig so nobody can move funds alone. I’d also want to test whatever I set up while I’m still sharp, because a backup nobody has ever verified is a hope, not a backup.

From what I’ve read, most self custody users have nothing in place for this, even though a lost seed phrase means the coins are gone for good.

So what do you actually use? How do you balance security against the risk of your person getting access too early, or not being able to figure out the process when it matters? I’m curious about multisig, Shamir backups, a lawyer holding a sealed document (not an option for me, I live in a third world country and wouldn’t trust a lawyer here with my keys at all), or the simple “my spouse knows where the steel plate is” approach.

The hard part seems to be separating who has legal authority from who has technical access, while keeping the instructions simple enough for a stressed, non-crypto person to follow. Would love to hear what’s worked for you.