Keep it unloaded
The NRA recommends that gun owners should always keep their gun unloaded until it is ready to use. This is particularly important when you are storing your gun at home. Keeping your firearm unloaded at all times will help prevent accidents and injuries, even if it does accidentally fall into the wrong hands. It's also good practice to store your bullets separately from your weapons.
As an NRA instructor, I can assure you that FoxNews has misinterpreted "use." A loaded gun on the nightstand is "in use," even if it isn't in your hand. There's a lot of room for use of judgement in there. If there are small children in my home at night, I'm not going to leave a loaded gun on the nightstand, for instance. OTH, NRA does advise you to keep ammunition in another room from your gun while you're cleaning it, so as to prevent a ND. It also advises you to treat all guns as if they are loaded, at all times. There's a lot of "nuance" there that the article just plain ignores.
“Hard times create strong men. Strong men create good times. Good times create weak men. And, weak men create hard times.”