So for the first time, tax planning needs to be taken into consideration in my trading strategy. It makes things much more complicated but it is a nice problem to have.
How about this plan, consisting of two stages:
Stage 1: Accumulation (buy for fiat, buy through alt appreciation, mining, earning, etc.)
Stage 2: Distribution. Allocate a % you want to potentially spend vs how much you want to leave to descendants. Maybe 50:50 or 70:30, whatever. Then divide your stash (that you want to consume) into equal yearly buckets considering maximum life expectancy.
Enjoy life, travel, whatever. Maybe start the distribution phase at retirement of few years beforehand, say, 60. this way you would enjoy the potential spoils a bit longer or while in relatively better health situation.
Example: you have N btc, then 0.5N (or 0.7N) is what you want to spend.
If you start at 60, maximum lifespan is probably 30 years, give or take, therefore, starting at 61st birthday, and each year afterwards spend/cash out 0.017 of your stash (1.7%). This number would go to 3.4%/year if you don't want to leave 50% to descendants.
