I’m wondering how many sats should I leave(lock) for my future kids 🤔

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I think that's hard to predict.

Maybe they will need less than you think at the moment

10M tops, anything more will spoil them

If I leave them 0.1 Btc, that would be enough for them I guess.

mine have 0.03 each on OpenDimes - trying to get them to 0.05 next