nTimeLock may disappoint you

I always had some issues with saving money. My mind is usually setup to use every accessible resource to fix the current situation and it makes me to spend all saved money for future.

In case with Bitcoin I read the posts from January 2010 on bitcoin forums, and see how people was ready to send 500 bitcoins ($1) to test Bitcoin, and reading the Bitcoin past is what inspires me to save Bitcoins now.

Bitcoin is such a system, which is deflationary. For hundreds of years people never had a deflationary currency (except for Gold, which grows with economy unsatisfactory slowly), and they forgot what "Money Work For You" or "The World's Money Work For You" or "Money Attaches More Money" is really look like.

But there is such a function which could potentially solve my problem. I know that with little effort I can create a transaction with nLockTime set up for 10 years as example. In the perfect world - this would mean me successfully accessing my funds 10 years from depositing.

Easy, calm down. There is a problem with nLockTime. All transactions is stored in blockchain, and Bitcoin isn't designed to store your nLockedByTime transactions in the blockchain with all transactions, because it would mean that miners must scan the whole blockchain to redeem chronologically locked transactions.

By design nLockTime grants ability to user to keep the data about transaction (you can store transaction as a raw data). Another thing about nLockTime is that once transaction created, it doesn't means that you can't access your sent funds anymore. Your outputs recorded in a public blockchain are still belonging to you. That means that you can overspend them with the other transaction.

So here's what it takes to limit yourself from spending your own funds for 10 years:
1) Create wallet A, deposit there 1 BTC
2) Create wallet B
3) Send funds from wallet A to wallet B locked by nTimeLock
4) Backup keys from wallet B, backup raw transaction data
5) Destroy wallet A keys

This is seems like easy steps to start saving. But I wouldn't recommend anybody to follow them. Why?
Because there's no warranties that its secure for long-term perspective.

Yes, Bitcoin protocol is reliable

Mentioned above 5 steps would be perfect if Bitcoin protocol stays permanent. But I afraid that during such a long times like a 10 years, some significant changes in Bitcoin protocol could occur. For such a long period of time a lots of things can change in the ways that protocol are functioning.

Significant changes may occur on the accepting the format of raw-data of the transactions, also changes may occur on acceptance of the locked by time transactions or any other kinds of data acceptances.

And even though Bitcoin is in my heart. I think the best solution for keeping your funds untouchable during long-term periods like 10 years is using cryptographic Time Capsules, if you're technologically savvy enough, if not - hire a freelancer.