My wife and I have been going back and forth on this. My wife wants to just turn over the trust and its investment growth over to her when she is 21. I feel that could ruin her life…she can get a cheap apartment, work part time minimum wage, buy a car, and coast on the money for a while. Where is the incentive to go to college, get a career, and support herself. I don’t want to encourage her to get lazy because of a windfall. My proposal to my wife is to give her 10 percent of the trust when she is 21 and then 10 percent of the trust every 10 years, and the full amount of the trust when she turns 65 or we die. I did some calculations assuming 6 percent growth and she will have received a few hundred thousand from 21 to 65 and a windfall of a million or two million when she turns 65. I feel over the years the money will will come at such intervals that when she is young she can buy a car, then she gets a windfall 10 years later she can put a down payment on a house or get married…another 10 years she can pay of student loans. Another 10 years she can beef up retirement savings. But none of the disbursements will ever be enough that she can sit on her butt and coast. Those were our ideas? What are your ideas? I’m open to any suggestions.