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> If something happens to me, my family would have no idea how... So, in effect: "If something happens to me, I WILL NO LONGER HAVE any banking or investment

> If something happens to me, my family would have no idea how... So, in effect: "If something happens to me, I WILL NO LONGER HAVE any banking or investment accounts, nor insurance, nor a will, nor ...". Basics - Keep a detailed, paper-based inventory of your stuff. With complete, noob-ready access information. Updated at least annually. In at least 2 different places, known to reliable family members and/or trusted close, old friends. Remember that you might have a period of disability or unconsciousness before you pass away. (Or before anyone thinks to act on the possibility that you'll pass away.) During that period, most of your online & cloud-stored stuff could vanish - because no one paid the bills or did other maintenance. Or insurance bills could go unpaid, or heat gets turned off at your cabin up north and the pipes freeze and flood it, or ... Keep a tight lid on how many places you keep the important stuff (vs. cute cat videos or other relative fluff), and on the complexity of accessing any of it. Those important places get listed first in your inventory, annotated with extra details on what important things are to be found there.

ghostfoxgod 1y ago
Just thinking out loud, doesn't keeping it offline increases the risk of first of all things getting lost or worse gets accessed by someone you don't intend to pass it on to?
- bell-cot 1y ago
  Depends on how organized and secure your physical properties and possessions are. If you've got creepy housemates or relatives, who might dig through your obviously-personal stuff? Yeah, that makes everything 100X harder. But they might also try an Evil Maid Attack, to get your online stuff. Do you have any trusted, well-organized relative or friend with a decently secure property? Do local banking regulations allow for access to safe deposit boxes when the owner is not present or deceased? Could you park the documents in a manila envelope, in the secure file cabinets of the lawyer who drafted your will? And if you're an Epic-level Ditz, who might (say) accidentally throw $700M of bitcoin in the trash? At some point, you need to have a competent person handle your affairs for you.

ghostfoxgod 1y ago

Just thinking out loud, doesn't keeping it offline increases the risk of first of all things getting lost or worse gets accessed by someone you don't intend to pass it on to?

bell-cot 1y ago
Depends on how organized and secure your physical properties and possessions are. If you've got creepy housemates or relatives, who might dig through your obviously-personal stuff? Yeah, that makes everything 100X harder. But they might also try an Evil Maid Attack, to get your online stuff. Do you have any trusted, well-organized relative or friend with a decently secure property? Do local banking regulations allow for access to safe deposit boxes when the owner is not present or deceased? Could you park the documents in a manila envelope, in the secure file cabinets of the lawyer who drafted your will? And if you're an Epic-level Ditz, who might (say) accidentally throw $700M of bitcoin in the trash? At some point, you need to have a competent person handle your affairs for you.