Also worth noting, you get a free personal vault if you have an IRA. I don't use it because of the legacy addresses, but it might interest you for your after tax buys. I didn't notice it anywhere in the marketing material. I only saw it in my account after it was created.

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I already have a individual account, that’s where I first went to self custody though I am considering making myself my own multi sig self custody with blue wallet and 3 devices, running my own node etc. hopefully by the end of the year. Thanks for clarifying the legacy stuff, that makes more sense. Seems like a good solution for the IRA as you said