[pmlamotte]

Key management is definitely difficult and is full of tradeoffs depending on the risks you want to protect against. There are some nice guides out there that go into some of the details[1][2] as well as inheritance plans, and it typically involves multisig wallets (2 of 3, 3 of 5, etc) with some of the keys stored with a lawyer or other trusted party. Some commercial solutions exist like Casa which can make it seemingly easier, but has increased risk as a result. If you don't plan ahead, it's likely gone, but the setup time/cost of these solutions really only makes sense for large amounts.

I recall reading at one point about future support for time locked multisig in Bitcoin that could maybe help with that but don't know the status of that capability or how it works, or how difficult it is to set up.

[1] https://github.com/fresheneesz/TordlWalletProtocols

[2] https://glacierprotocol.org/docs/overview/