I get it, you want to navigate the bankruptcy asteroid field without taking a hit. Here's the strategy—keep retirement benefits neatly tucked in their accounts. If you're playing with Chapter 7 or Chapter 13, it's like entering a gladiator arena; you want to come out swinging with your assets intact. Avoid mixing funds, use exemptions like a master chess player, and have a legal eagle in your corner who's ready to advocate for you. It's all about guarding your treasure like a dragon!