Thanks MicroGuy
Here is a video that I am currently viewing that has great points, the most important point to me is at 25:30 he says:
"I store about 5% of my Bitcoin online, 95% of my Bitcoin I encode with secret keys that are printed on paper, paper wallets ... then I store them in a safe"
that was the 'ah ha moment' for me. Earlier on he mentioned that we have to play bank with our own money, now I see how.
I'm not 100% on how to encode and create new keys, but I think I know how to do that, but for now ... I'm back to the vid