I’ve considered setting up a time lock on my Bitcoin, but only if it can be done directly from my Coldcard MK4. Ideally, I’d like to create a wallet that functions like any normal wallet — able to receive funds at any time — but with the ability to restrict spending until a specific date or block height. That would be perfect.

That said, I don’t feel it’s strictly necessary for me. I already use a two-wallet system: one for long-term holding, and another for spending. The long-term wallet is exactly that — set aside for 10 years or more. I continue to add to it whenever I can.

The key to preserving long-term holdings, in my view, is budgeting. You need to be honest about your upcoming expenses and avoid sending money you might need to your long-term wallet. Keep that money in fiat or your spending wallet instead.