1. Pick a wallet that speaks Lightning
The first decision. If your wallet only does on-chain BTC, you'll pay 10-60 minute waits and dollar-range fees every time you deposit or withdraw. A Lightning-capable wallet turns those into seconds and sub-cent fees.
Good Lightning options in 2026: Phoenix (mobile, self-custodial, hybrid channels), Muun (mobile, uses swaps), Wallet of Satoshi (custodial, extremely simple), Zeus (self-sovereign, requires your own node). For casual deposits, Phoenix or Muun. For larger bankrolls, run your own node via Zeus or similar.
If you already have a hardware wallet (Ledger, Trezor), you can still use it for on-chain deposits, but you'll want a separate Lightning-capable hot wallet for session-size amounts. Don't move Lightning-size amounts through a hardware wallet every time — the UX is painful and the fees on-chain make it uneconomic.