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And if you don’t want to think about posterity, consider what you
will need if you have to spend a while in a hospital and are unable to
get online.
Online accounts
In the case of bank accounts, etc., the money belongs to the estate,
of course, but the online account–the login–belongs to and is
administered by the bank (or other financial institution).
Yes, we hear all the time “Don’t share your passwords with anyone!”
But that is terrible advice. Don’t share them widely, or on Post-its
on your computer monitor, etc. But do share them with someone(s)
you trust. If you’re hospital-bound for a while, who would you ask
for help with paying your bills? Answering your correspondence?
These are the folks who will need access to your accounts if you
can’t access them. If you don’t trust anyone immediately, leave the
information in a sealed envelope with a lawyer or whoever will be
your executor.