More importantly, do you have instructions and descriptions of everything?
Sure, my wife could access my accounts, but she'll be lost - which are important? which can be ignored? What do you do once you have access?
Where are all the bank accounts, credit cards, loans, and how are they setup w/autopayments & withdrawls?
Ditto for insurance policies, your random toys and tech stuff. E.g. what should be done with your random websites/URLs - let them expire, archive them, ?
And my social accounts too...
It's not good enough to just go over it together one night, you need clear documentation that can be quickly referenced and followed during a time of immense stress and grief. And then keep those docs updated!
It seems a little weird that your wife is so removed from the financial side of your setup. Does she really not know where your credit accounts are and how much are on them?
Not the OP, but for my prior relationship my ex wanted to be divested of that knowledge. I tried early on to keep them abreast of what was going on, but they were "not a numbers person," and whenever I tried to explain our complicated financial structures and how assets were liquidated and passed through various accounts to accomplish large projects their eyes glazed over. So, they trusted me to keep us solvent, and I made just about any request of theirs happen (which sometimes required a lot of juggling).
Yup, my wife doesn't want to deal with such things. Total assets, yes, but the details of managing them are entirely my job. She doesn't want to deal with it and I don't want her to have online access because she would be way too easy to phish.
I don't know all of ours. I know our shared bank account, and that's about it (well, we have a shared password manager, so I could probably figure it out). It doesn't seem useful to have the knowledge, and when she dies, the least of my worries is a missed payment or two.
Sure, my wife could access my accounts, but she'll be lost - which are important? which can be ignored? What do you do once you have access?
Where are all the bank accounts, credit cards, loans, and how are they setup w/autopayments & withdrawls?
Ditto for insurance policies, your random toys and tech stuff. E.g. what should be done with your random websites/URLs - let them expire, archive them, ?
And my social accounts too...
It's not good enough to just go over it together one night, you need clear documentation that can be quickly referenced and followed during a time of immense stress and grief. And then keep those docs updated!