I think some of friends here have already provided the answer, and you can read it slowly, or with full attention. Additionally, as owners of our phrase or private key wallets, we should already be aware of the potential for Bitcoin loss, if we don't safeguard them properly. Therefore, it is crucial to perform a series of backups, which should be done offline, stored securely, and never stored online. We can store them on external storage, such as an SSD, but once again, never try to connect it to an unsecured device, and avoid direct online connections to the drive. We also need to realize that we don't know how long we will live, so we need to leave a legacy, but make sure they can't access it before we die.
By the way, I think you need to read the following thread which discusses a Bitcoin recovery tool :
bitcointalk.org - The FinderOuter, a bitcoin recovery tool by @Coding Enthusiast