My carry gun is always kept loaded. I keep an 870 Remington next to the bed chamber empty ready to rack the slide to chamber a round. Wife keeps her carry gun on the night stand next to the bed as well. All guns in the safe are kept unloaded. Ammo is kept in a sperate locker.
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No matter how many times you do it and nothing happens it only takes something going wrong one time to kill you.
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