Well, almost is a relative term. I won't be able to access the trust til 62, so 17 years, and I don't plan on turning the cold wallet into a hot wallet until I'm 65, 20 years. But who knows what the future brings? Maybe I'll get sick and will only be given 5 years to live. That would accelerate my timetable and probably lead to me using the cold wallet sooner. I think you always have to make room for unanticipated circumstances. You gotta plan to be flexible, and not let something unforseen totally destroy your plans. Right now, I'm happy with my life and my circumstances, and that's really all that matters. My plans are essentially just a way to ensure that I continue feeling that way.