I did as my parents did which is exactly like HunterCO says, but I now have one of those finger combo safes (A "Gun Vault 1000". My youngest is 17 - the safe isn't for the kids but in case someone breaks in while we are not home).
You are right not to trust the finger combo safe. It's hard enough to open when you have all of the time in the world and are not under any stress. It's easy to press one of the buttons that you don't mean to press throwing off the whole combo. Too many failed attempts disables the combo for a few minutes. If you are rushed and under stress because someone is breaking into your home, this is NOT the time to prance around with this mechanism.
Pic of Gun Vault 1000:
(http://www.cabelas.com/cabelas/en/co...220659sn02.jpg)
I fully recommend a biometric safe, but they certainly cost! I have a co-worker who has a biometric wall safe. He loves it and says it slides open in ".2 seconds" from the time he puts his finger on the reader. I plan to get one of these for myself and sell the Gun Vault.
Here is the info on the wall safe:
http://www.buyasafe.com/Wall_Safes_p/sl-20700.htm
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