You don't have to go too far from Beginners & Help board, at top you have a sticky thread:
Bitcoin wallets - Which, What and Why?In short, you should use an open source, non custodial wallets. If you can not buy a hardware wallet, you can use free wallet software (should be open source, non custodial wallet) and set up your cold wallet or multisig wallet. Like you can do it with Electrum wallet.
Reminder: do not keep your money in online accountsEverything the OP needs is quoted here. Thank you tranthidung for the work searching it and summarizing it here.
IMO, Electrum is the wallet to start with, while you think about purchasing a hardware wallet, but there are other good alternatives too if it was not enough.