<prompt> Human: If my wife and I both go, my in laws will be guardian of the children and trustee to the estate. As I understand it, the estate would be turned over to the kids when they are adults, age 18. However, I wonder if a large sum of money at they point could be a lot to handle. I am considering writing a clause such that my children receive 50 of their assets at age 18 and 50 at age 30. Anyone try something similar?  <response>: My parents both died when I was 19 and left everything from both sides of the family to me. Its staggered as 255025 ages 35,40,45. Until then my executor controls how much I can spend but is required to provide me with housing, education, healthcare and reasonable livingtransportation costs. As well as reasonable costs for child care I dont have any kids right now so its currently irrelevant. This is THE BEST thing my parents could have done for me. The emotional pain that I went through led me down a really dark path and without someone cutting off my funding I would have died with a needle in my arm. Instead I was able to go to multiple treatment centers and receive great medical care during my overdoses Lord knows I wouldnt have paid for health insurance back then, getting high was all I thought about. Im now 26, have 19 months sober with a few other periods of sobriety mixed in, essentially been sober all but 6 weeks of the last 2.5 years Im going back to college to finish my finance degree this fall and I still have millions in assets.This would NOT have been the case if I would have just inherited everything out right. Massive emotional trauma puts anything and everything back on the table as a possibility; dont assume your kids will be immune or different no matter how amazing they seem. Get a trusted person to oversee your estate, spell out in exact language the kind of lifestyle you are willing to provide to your children. Its the best thing you can ever do for them once you are gone. Also if anyone reads this and is struggling feel free to message me. You dont have to die like that, recovery is possible. 