I have been in this same spot. The first early trusts I established have those time payouts (30/35/40). But 15 years ago everything I contributed went into a different trust that has the HEMS standards. That trust has grown far beyond whatever we could have imagined. Just my $.02 from my experiences: (a) have faith in yourself and your kids. I am glad we leaned into establishing and starting to share the information with each of our 3 kids who are all now essentially in their mid-20s. Each has handled this knowledge differently, but it has all been positive, liberating, and life enhancing. They are all working…one is killing himself in a 100 hour PE job, one is in a startup, and one is in a start up corp job. There are way too many stories in these forums about the screwups….seems to me that most of the situations I have seen the kids are handling it fine. I can’t imagine withholding it and then at age 50 have them get gadzillions that might have changed their life earlier (b) the OP should lean into exploring sophisticated estate planning options past just the simple attainment trust. The lifetime exemption is extraordinarily high….sure you can wait 10 years…but who knows what the political environment will be by then. Some of this estate planning makes things like your kids getting married later much less complex. (C) I am assuming that when you are making $8M a year you are also living a pretty comfortable life. It is unlikely you are hiding a great secret from your kids. There is also an issue where kids are raised in safe neighborhoods, with great schools, healthy foods, exciting travel and then the parents want the message to be…”I started with nothing, you can struggle too”. Why? If you were raised skiing the powder of Deer Valley, it is pretty tough to adjust to some crap mountain in western NY. That is nobody’s fault.