[HN Gopher] Ask HN: Have you set up a procedure to disclose your...
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       Ask HN: Have you set up a procedure to disclose your passwords in
       case of death?
        
       After coming back from my home country where the insecurity is a
       big part of the daily life (armed robbery, kidnapping, murder), I
       started thinking of what would happen if something happened to me
       and how would I be able to ease the burden on my love ones to
       manage my digital assets (cancel subscriptions, keep my digital
       libraries, etc). So I ask: do you have a procedure in place to
       grant or transfer access in case of death?  My first idea would be
       using a password manager for everything, list every device used for
       2SA and confine within my will a master password.
        
       Author : bsjaux628
       Score  : 149 points
       Date   : 2022-10-31 18:02 UTC (4 hours ago)
        
       | lostcolony wrote:
       | Lastpass has this as a built in feature for at least their family
       | plan. You can set another account to be an emergency access
       | account. The owner of that account can initiate a request for
       | access to your passwords. You'll get an email informing you of
       | the request, and you have a configurable amount of time to reject
       | it. Failure to do so will lead to them getting access to your
       | vault.
       | 
       | Not sure the security mechanics involved that allow for it, but
       | it seemed like a very neat product for this very thing (and I've
       | added requesting access to the death checklist I gave to my
       | wife), since it means I'm not having to provide my password to
       | anyone (or even get it out of my head and enclose it somewhere
       | physical), but my wife can still get access to it in the event of
       | my death (or my being incapacitated for a sufficiently long
       | period of time that she needs it).
        
       | StanislavPetrov wrote:
       | No, I want all my accounts to be forever lost when I die!
        
       | gwencoraluna wrote:
       | Hi, last month I have discovered, Legapass, a French startup who
       | solve this problem. I use Legapass to secure the transmission of
       | my digital assets and even more my cryptocurrencies.
        
       | jedberg wrote:
       | My master password is written down in a sealed envelope, which
       | has been placed in a secret place that my wife knows (but always
       | forgets). My lawyer has a sealed envelope with the location of
       | the secret place, and my will has instructions to give that
       | envelope to my wife (in case she forgets the secret place, which
       | is often). The will also says who gets ownership of the secret
       | place and the envelope in the case with both die together.
       | 
       | When my kids get older they'll move to the top of the access list
       | for the envelope with the location of the secret place and
       | ownership of said place.
        
         | hinata08 wrote:
         | Why don't you encrypt your password twice, give the resulting
         | file or string to both of them, replicated twice or more ?
         | 
         | And each one of them has the password for one of the two
         | encryption layers ?
         | 
         | This way it won't get lost.
        
           | jedberg wrote:
           | My family isn't that technically savvy and would probably
           | require help with the decryption, but I'd be dead.
        
             | layer8 wrote:
             | There's probably a way to low-tech it by printing half of
             | each password glyph (with a suitably ambiguous design) on
             | transparent slides that you need to overlay with each other
             | to be able to read the password.
        
             | hinata08 wrote:
             | oh, that's a good point, indeed.
             | 
             | I didn't factor in the technical ability of my relatives. I
             | guess I should.
        
               | ska wrote:
               | > I guess I should.
               | 
               | Not just technical ability, but state of mind etc.
               | Anything needed quickly (not everyone will have such)
               | should be straightforwardly accessible by someone who is
               | both distracted and busy.
        
               | hinata08 wrote:
               | I used to sort my data into organised archives on USB
               | HDDs, until I went to college.
               | 
               | Then I found it time consuming and began to just dump
               | home folders and SD cards onto SATA HDDs for back ups
               | 
               | And now I haven't even done back ups since I began to
               | work.
               | 
               | Tagging some USB stuff would be the most straightforward
               | for them, I guess. A bit like a "play me if I don't come
               | back" VHS as seen in movies.
               | 
               | And I would include the letters to unsubscribe to
               | everything, and GDPR requests to delete my data as
               | mentioned by the creator of the thread in
               | 
               | >So I ask: do you have a procedure in place to grant or
               | transfer access in case of death?
        
         | onychomys wrote:
         | Gonna suck if you die in a house fire that also burns up that
         | sealed envelope, though.
        
       | poisonborz wrote:
       | The self-hostable Bitwarden server also has this functionality.
       | 
       | https://bitwarden.com/help/emergency-access/
        
       | ubermonkey wrote:
       | I have.
       | 
       | I had most of this done already, but about a year ago a friend of
       | mine -- very healthy! younger than me! -- literally dropped dead.
       | It was a bolt from the blue, for sure, and the trouble that
       | followed for his widow was a wake-up call.
       | 
       | For some reason, he and his wife weren't on a "family" plan with
       | Apple, which meant, from Apple's POV, they were just two
       | customers, and lawyer letters and whatnot would be required to
       | get her access to even his pictures on the phone.
       | 
       | Apple NOW has a feature that allows you to nominate a "digital
       | legacy contact" for your Apple data. If you're on iOS, I
       | RECOMMEND IN THE STRONGEST POSSIBLE TERMS THAT YOU CONFIGURE THIS
       | IMMEDIATELY.
       | 
       | https://support.apple.com/en-us/HT208510
       | 
       | As for the rest of my digital life, everything is in a password
       | manager, and my wife understands that the master password for
       | said vault is in the safe.
        
         | GGO wrote:
         | How do you protect against government accessing your safe,
         | getting your master password and accessing all your digital
         | files. If I am not mistaken, Fifth Amendment protects one from
         | incriminating themselves by giving up their own password, but
         | in your case they just need to confiscate and open your safe.
        
           | whatatita wrote:
           | > How do you protect against government
           | 
           | In general; you don't. If the gov. wants to make you do
           | something, you're going to have to do it. In many western
           | countries, that's only a vague threat, an many others it's a
           | lot more real.
           | 
           | Theoretically, you could have two components to the password:
           | something long and random that is written down, and something
           | easily remembered and personal. A special moment, a place, an
           | anniversary only the two of you would know, etc.
        
           | firecall wrote:
           | Don't keep anything behind that password that the government
           | doesn't already have access to!
           | 
           | Government already has access to banking and phone records,
           | most online accounts and data from Apple, MS and Google.
        
           | [deleted]
        
           | sib wrote:
           | I prefer to think of the NSA as my cloud backup provider of
           | last resort, paid for by my (overly abundant) tax dollars and
           | responsive to a FOIA request ;)
           | 
           | /s
        
           | _Algernon_ wrote:
           | https://xkcd.com/538/
        
           | rrwo wrote:
           | If they get a warrant from a court, they can open the safe.
           | 
           | As the question is about granting access to accounts after
           | death, it seems an odd worry. The government is also likely
           | to get access to your data from your Google, Facebook, etc.
           | If you have a server in the cloud, they can probably go to
           | your hosting provider to get physical access.
           | 
           | So unless you have data in secret offshore servers in
           | countries that won't cooperate with the US government, then a
           | safe is not your weakest link.
        
           | ubermonkey wrote:
           | I don't.
           | 
           | If one has something going on such that state-level actors
           | might want nefarious / adversarial access, well, one should
           | be taking MUCH MORE SERIOUS STEPS about personal digital
           | security.
           | 
           | Your "regular everyday normal m _f_ er" (as the song
           | apparently incessantly looped on Instagram goes) has no such
           | enemies. My personal digital opsec is designed to keep me and
           | mine safe from likely threats, and the threats I face are
           | pretty banal -- brute force attacks, mostly. I am 100%
           | unconcerned about governmental intrusion into my safe to gain
           | access to, e.g., my online banking passwords.
        
           | delecti wrote:
           | If the feds want your data and are willing to confiscate your
           | safe to get it, they can probably get your data without
           | confiscating your safe.
        
         | dstick wrote:
         | Same here. In fact, I took it one step further and drafted a
         | document that outlines all the important business contacts I
         | have the she would need to contact in case of my death. To
         | liquidate assets, and/or help with keeping the businesses I
         | have running. Online services, hosting providers, etc.
        
           | Firmwarrior wrote:
           | Man, that's probably the smart way to go.. I just told my
           | wife to take my half-assedly secured computer to one of my
           | tech friends to break into it
        
           | ubermonkey wrote:
           | That's a good idea.
        
         | mikeflstfi wrote:
         | I've done the same with taking the password manager approach
         | and putting the master password in the safe. I've also place a
         | "death envelope" in there that outlines who would need to be
         | notified from my employer and other important contacts. We also
         | have "safe opening" class every so often.
        
         | butterlesstoast wrote:
         | Wow this was quite possibly the most helpful Hacker News
         | comment to date.
        
         | modeless wrote:
         | Google has Inactive Account Manager, which is a dead man's
         | switch for your account. Everyone should set that up too.
         | https://support.google.com/accounts/answer/3036546?hl=en
        
           | sinclairX86 wrote:
           | Anecdote: I'm the account manager for most family members.
           | One day my sister was angry with me, removed me as the
           | account manager, and some months later locked herself out of
           | her account after having trashed her phone and forgot her
           | password.
        
           | w_for_wumbo wrote:
           | I like that they have this, it means if I ever go missing
           | unexpectedly that there'll be someone who can access my last
           | known location, and access to social media comms to
           | understand why.
        
       | diamondap wrote:
       | Yes. Password manager with all essential entries shared between
       | spouses. Plus a written document describing how to get into the
       | password manager should we both go. We shared the location of the
       | document with key people.
       | 
       | Still, there's probably more we could do, and a number of bases
       | left uncovered. For example, we each have a number of monthly
       | subscriptions that are auto-drafted but won't need to continue
       | after death. We should identify those and have cancellation
       | plans.
       | 
       | Plus we both have lots of crap, and possibly some important in
       | various online/cloud storage services. Even with password access,
       | it would be hard for survivors to know what to look at and why.
       | 
       | And then there are the accounts with two-factor auth. What if one
       | of us goes with our phone? Oy!
        
       | NamTaf wrote:
       | No.
       | 
       | Things that really matter (banks, etc.) have well-established
       | next-of-kin processes. You can cause problems if you subvert
       | them, as there's processes to go through to prove who might have
       | claim to the estate and if necessary divide it between multiple
       | parties. Similarly, subscriptions will just bounce once you
       | inform the banks of the death and they freeze further
       | transactions as part of said process. In my experience, your next
       | of kin don't want to be dealing with cancelling a bunch of
       | subscriptions when they're already planning your funeral,
       | informing loved ones, etc. - there's already heaps of shit you
       | have to consider and it's a very stressful, emotional time.
       | 
       | Giving over passwords implies that you expect someone to log in
       | and do something with them, so it's not really important for them
       | to have it for these reasons.
       | 
       | Secondly, I doubt any of my next of kin care about e.g. my Steam
       | library or my Reddit account. As I've gotten older, I've realised
       | that people don't really want to inherit the overwhelming
       | majority of your stuff (they have their own stuff). If you think
       | someone really does want something in particular, you can have
       | that conversation with them specifically, but that's going to be
       | very few and far between.
        
         | paranoidrobot wrote:
         | > Things that really matter (banks, etc.) have well-established
         | next-of-kin processes.
         | 
         | I would say that the exception might be for local/non-cloud
         | things - for instance your phone, laptop, NAS, etc.
         | 
         | If you are the controller/admin of data that might be good for
         | others to have (family photos/videos/etc) - then setting up
         | some process for handing passwords over for that to Next of Kin
         | would be good.
         | 
         | As for services, utilities, etc - having literally just been
         | through this in the past few weeks, it's incredibly frustrating
         | that so many businesses don't have well established and
         | functional processes for dealing with accounts owned by the
         | deceased.
         | 
         | The executor reached out to the services that needed to be
         | terminated with sale of the house, and without fail they all
         | screwed up in some dumb way. Most of them keep insisting on
         | only being able to talk to the deceased person, even when
         | you're the executor of the estate. (And they don't understand
         | that, either).
         | 
         | We ended up having to send registered tracked letters to their
         | formal mailing addresses for several because of how insistent
         | they were on sticking to their "only the account holder can
         | make changes" script. Despite them having copies of the death
         | certificate, extracts from the will, etc.
        
         | jmathai wrote:
         | In case of my death, I want to make it as easy as possible for
         | my wife to carry on. Having access to our accounts (which I
         | mostly manage) so she can do whatever she needs is a lot more
         | important than the well-established processes you mentioned.
         | Those processes would have gone to her anyway.
         | 
         | If we both die, then our extended family will have to work
         | through the legal system but our will + a lawyer should help
         | out a lot.
         | 
         | Edit: To answer the original question - I documented how my
         | wife could do this before going on a week long motorcycle ride
         | in 2019 :).
        
         | jakub_g wrote:
         | The tricky thing is that if no one from family knows you have
         | $$$ in Bank Foo, this money can just lie there unclaimed
         | forever (until taken by the government after N years).
         | 
         | Even if theoretically those institutions should proactively
         | search for deceased owners' heirs in some jurisdictions, I
         | wouldn't trust this to happen.
         | 
         | At least listing all banks, stocks accounts & insurances you
         | have might be really useful. Just set a yearly reminder to self
         | in calendar to send such an email to your closest family
         | member.
        
       | hn_user2 wrote:
       | I have all the documents and photos shared in iCloud already that
       | I want shared. I am fine with everything else being
       | irretrievable.
       | 
       | Anything I am proud of has been shared in a shared iCloud Drive.
       | Any important documents (life insurance), etc has been shared in
       | an iCloud Drive. Any photos I want shared are already in shared
       | albums. Financial accounts already have a beneficiary.
        
       | stavros wrote:
       | I created https://www.deadmansswitch.net a while ago for this
       | purpose, though I wouldn't use any third party app for passwords.
       | "The password is printed and hidden in X" is a good message,
       | though.
        
       | Apreche wrote:
       | As long as they can get into the email, they can eventually get
       | into everything else. If there are second factors in the way, I
       | have backup codes printed out and stored in a safe location that
       | they will be able to access. And this only matters if the
       | official facilities, e.g.: Apple Legacy Contact, don't pan out.
        
       | flobosg wrote:
       | Related:
       | 
       | * Cheat sheet for if I'm gone -
       | https://news.ycombinator.com/item?id=31748553
       | 
       | * What to Do Before You Die: A Tech Checklist -
       | https://archive.is/dy81b
        
       | Raidion wrote:
       | I just have the computer and emails passwords and my phone pin
       | stored in a safe place. I have a few critical MFA codes stored as
       | well in case my phone suffers the same fate I do.
       | 
       | Any other important password can be reset from those things and
       | discovery of accounts can be done via email and credit card
       | statements.
       | 
       | My odds of dying in the next year are remote enough that I don't
       | feel the need to get the process perfectly laid out when it
       | probably change in the >40+ years I expect to live.
        
       | browningstreet wrote:
       | My son has biometric access to my phone. From there, he can do
       | everything. It works for me.
       | 
       | My son is the one human who matters the most to me -- there's a
       | letter in there for him, too. I add to it periodically.
        
         | cryptonector wrote:
         | What if the phone is destroyed or lost or stolen?
        
         | oxfeed65261 wrote:
         | At least on an iPhone, biometric access won't work if the phone
         | has been powered off, such as due to the battery running out.
        
           | jonas-w wrote:
           | On my Samsung, it is probably the same on iPhone, i always
           | need to enter my pin/password to be able to unlock it after a
           | restart. After that 99% works with Biometric access but some
           | things still need the pin/password.
        
         | ASalazarMX wrote:
         | As others have said, lock code is safer. iPhones sometimes will
         | demand the code instead of biometrics from time to time. Also,
         | any app protected with biometrics can be unlocked with the
         | code, so the code is the safer bet.
        
       | anonu wrote:
       | We need an on blockchain escrow service with smart contracts.
        
         | smegsicle wrote:
         | it's the only way to be sure
        
       | jakub_g wrote:
       | I didn't do anything with digital things yet, although I've
       | created a doc (literally just an email) with "where to look for
       | my money just in case":
       | 
       | - insurances
       | 
       | - bank accounts
       | 
       | - stocks
       | 
       | with names of institutions, emails etc.
       | 
       | This is especially tricky since I live abroad in a country whose
       | language no one else from my family speaks; so I included some
       | links to a list of dual-language lawyers who could potentially
       | help handling the cases; plus contact points to a few close
       | friends who could be of help too.
        
       | sdevonoes wrote:
       | The most important asset I have is my bank account. In case of
       | death, wife can take over (the only thing needed from wife is to
       | proof she's my wife... so pretty much her ID card and marriage
       | papers). That's it. Subscriptions? GitHub account with private
       | side projects? Digital libraries? HN account? Email? All of that
       | is not that important. If my wife has access to my bank account
       | she can either transfer all of it to hers and effectively
       | cancelling all my subscriptions or reject individual
       | subscriptions manually.
        
         | matwood wrote:
         | I agree, but also make sure your life insurance is setup
         | properly along with retirement/brokerage/crypto accounts.
         | 
         | I would also suggest things like your primary Google and/or
         | Apple account to make sure she ends up with access to photo
         | libraries and the like.
         | 
         | After that, most things are less important.
        
           | ja3k wrote:
           | A note on photos: If you use Google Photos you can have
           | photos with a specific person automatically added to a shared
           | album. So my wife can always see every photo I take of her or
           | our daughter. I just did it for day to day convenience but
           | it'll also come in handy if I pass since she'll have all the
           | most important photos already.
           | 
           | Though after seeing this thread I went ahead and just gave
           | her access to my photos once I go inactive using this
           | service:
           | https://support.google.com/accounts/answer/3036546?hl=en
        
         | twobitshifter wrote:
         | There is the situation where you and your spouse both die in m
         | accident. Depending on whether you have kids you might want a
         | Plan B as well.
        
           | jmathai wrote:
           | Having a will is the correct Plan B.
           | 
           | It needs to be Plan A, as well. But a shortcut to get access
           | to your accounts without having to go through a will and
           | lawyer will be appreciated by your wife if only you die.
        
         | darkhorn wrote:
         | What if you have children? In Turkey the bank account can be
         | taken over only by legal inheritors, and all of them should be
         | present together physically at the same time in the bank with a
         | document, most of the time obtained from notary, called
         | inheritance document (plus a document that shows that there is
         | no debt). Inheritors in a normal family are spouse and
         | children. Ratio for inheritance for a children and spouse are
         | different. Spouse gets most of the inheritance.
        
         | actually_a_dog wrote:
         | Yep, 95% of anyone's needs in this regard can be taken care of
         | by a spouse or relative, possibly with the aid of a death
         | certificate. I highly doubt anyone would be interested in
         | taking over most of my digital files.
        
       | fourmajor wrote:
       | Yes, I have set this up to give my wife access after 14 days:
       | https://www.lastpass.com/features/emergency-access The long delay
       | is simply for security purposes so there's not instant access for
       | someone who hacks _her_ accounts.
       | 
       | > Give someone you trust access to your vault. When your trusted
       | contact requests Emergency Access, you can decline their request
       | within the specified waiting period. Otherwise, your vault is
       | added to their LastPass account.
        
         | bombcar wrote:
         | The _real_ last pass!
        
         | taberiand wrote:
         | Are there any technical details of how this works on the
         | backend?
         | 
         | I thought LastPass only kept encrypted user data that only the
         | master password can decrypt. Would this process mean they keep
         | an accessible copy?
         | 
         | I suppose the process could be to encrypt my master password
         | with a public key generated by the spouse account (with the
         | private key stored in their encrypted bundle), that LastPass
         | servers can store and provide on delayed request?
        
           | jaywalk wrote:
           | I would imagine it involves something like encrypting _your_
           | master password (or more likely some other encryption key
           | that won 't change) with _their_ master password as if it
           | were anything else they had stored in their account. The
           | difference is that it 's blocked by the time delay.
        
             | taberiand wrote:
             | I think something like that might be how it's done. I don't
             | think they could use the master password directly (at least
             | I hope not, wouldn't that mean transmission of a master
             | password from the client?), though I suppose they might
             | have a mechanism of generating a consistent key pair just
             | from the master password.
             | 
             | However it works, I think LastPass should have a technical
             | section that describes the mechanism in more detail
        
           | whatatita wrote:
           | I believe, when you set this up, they re-encrypt your data
           | with the other user's keys so it's never accessible by
           | Lastpass.
        
             | taberiand wrote:
             | I think the problem with that would be the copy would go
             | stale fairly quickly right? I suppose the process could
             | make it so the data set is encrypted with all associated
             | keys everytime it's uploaded from the client
        
               | selykg wrote:
               | Shared key.
               | 
               | You have a key, which encrypts a shared key.
               | 
               | Your spouse has a key, which encrypts the same shared
               | key.
               | 
               | Vault is encrypted with the shared key.
               | 
               | Access is controlled separately. But upon successful
               | share, their existing key can decrypt the shared key
               | which decrypts the vault.
        
         | bryanlarsen wrote:
         | Bitwarden has this feature too.
        
           | jacooper wrote:
           | Where?
        
             | bryanlarsen wrote:
             | https://bitwarden.com/help/emergency-access/
             | 
             | requires premium or self-hosting. But it doesn't expire if
             | you stop paying.
        
       | aamoscodes wrote:
       | There's a service named Everplans that walks you through
       | passwords, important documents, making an end of life plan, other
       | stuff. They released a whole book on it that I haven't finished
       | yet.
       | 
       | You setup contacts in the app and the contacts confirm they want
       | to be involved. They receive a special link (or some other access
       | method, I can't remember) and when you die, your contacts can say
       | "(person) died, give me access to their information."
       | 
       | A confirmation is sent to the person that setup the account, they
       | have a pre-determined amount of time to block the request. If the
       | request is ignored the data is released to either some or all
       | contacts. It's pretty slick but I would be terrified to start a
       | business like that, with something like this you can't just let
       | the business go under if things aren't going well.
        
       | rwky wrote:
       | I use syncthing to sync a keepass database between my wife's
       | laptop and my own. We also have off site backups which she can
       | access. If we're both dead then it doesn't matter we've no
       | dependants. Where possible our financial accounts are all joint.
        
       | epc wrote:
       | I rely on a combination of 1Password and some offline SSDs. Key
       | passwords/passphrases are in our shared safe. Nothing is perfect.
       | While in theory, in the US at least, your executor should be able
       | to gain access to whatever is necessary, in my personal
       | experience as a two-time executor companies and organizations are
       | rarely prepared to deal with estate issues. It's a lot easier to
       | tell my spouse "all of the passwords are here".
       | 
       | Previous related discussion:
       | https://news.ycombinator.com/item?id=31027766#31031202
        
       | marginalia_nu wrote:
       | I just use the same password everywhere, only a matter of time
       | before it is publicly available.
        
       | harrywynn wrote:
       | I created https://pingmy.life specifically to email my wife if I
       | don't check in after a set period of time. It'll send her a PDF I
       | put together with details on how to access the important life
       | bits. I'm hoping it doesn't get triggered anytime soon.
        
         | humanistbot wrote:
         | Looks like it is down, not great for such a vital service!
        
           | another_devy wrote:
           | It got hugged!
        
       | nonameiguess wrote:
       | Not really. I'm honestly kind of surprised at the preparation
       | some people have put into the expectation they might die soon.
       | All of our accounts are joint and I'm not hiding any assets. I
       | have pretty sizable life insurance policies that will make her a
       | millionaire overnight. If a porn subscription refuses to cancel
       | when she shows a death certificate, I'm guessing she can find a
       | way to cope. I know she can cancel my debit card all the
       | subscriptions charge because I accidentally canceled hers just
       | last week. I don't think I have anything I would call a digital
       | library. Not really much of a data hoarder. I don't rewatch
       | movies much and haven't take photos regularly since 2002 or so,
       | and most of those I never bothered to develop, though I actually
       | still have the film in a shoebox in the closet if she wants to
       | try.
        
       | bombcar wrote:
       | One thing to consider, is that even if you have 2FA keys and full
       | access to an account and _can_ do things with it, you may be
       | illegally doing such after the account-holder 's death.
       | 
       | For example, depending on how your bank account is setup, it may
       | be legal for your wife to take money from it while you are alive
       | but become illegal after death until probate is complete. The
       | reality is nobody cares because 90% of the time the surviving
       | spouse gets everything anyway, but it's there.
       | 
       | Check your local laws.
        
         | eastbound wrote:
         | This. I have set up automatic wire so my employees receive one
         | or two month automatically, but the truth is, it's probably
         | illegal for the to receive that money.
         | 
         | Same goes for next of kin's access to my accounts. Uncharted
         | territory, but those are assets, and I don't think people
         | should be able to peruse assets of a defunct.
        
           | bombcar wrote:
           | If you care you could discuss it with a business/estate
           | lawyer and setup some sort of a trust - but the complications
           | may be not worth it.
           | 
           | It'd only come up in an adversarial inheritance scenario so
           | make sure you have a bulletproof will.
        
       | tiku wrote:
       | I have made an encrypted USB disk with a manual, then handed my
       | parents a part of my key and another part is in my house where
       | only they would find it. Also a name of a friend that could help
       | them with it etc.
        
       | Decabytes wrote:
       | I use a password manager. I regularly remind my wife what the
       | passphrase is
        
       | jasonpeacock wrote:
       | 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!
        
         | onychomys wrote:
         | 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?
        
           | Darkphibre wrote:
           | 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).
           | 
           | All relationships are different. :)
        
             | rlayton2 wrote:
             | My partner is the same. I have a document that says "here
             | is the name of our accountant. I recommend you do X for
             | now".
        
       | CommieBobDole wrote:
       | No. Nothing that I have protected by a password is of any use or
       | interest to anyone but me. When I die, the things that have
       | actual value will migrate wherever they're going to via the
       | normal legal processes. Anything else will die with me.
        
       | gnfargbl wrote:
       | I have the appropriate tarsnap key printed out and stored in a
       | physical location known to my loved ones.
       | 
       | They're not particularly keen on the idea of having to type in
       | two pages of private key but as I point out, it's both (a) a good
       | opportunity to learn about OCR and (b) not my problem.
        
         | stavros wrote:
         | OCR doesn't help when you have to find the wrong character in
         | two pages of random stuff. QR codes are your friend.
        
           | cperciva wrote:
           | That's why the Tarsnap key file format includes a checksum on
           | each line, so tarsnap can tell you which line to look for the
           | OCR (or typing) error on.
           | 
           | When I was writing this code I wasn't sure if it would ever
           | matter but figured "hey, why not..." -- but I've probably had
           | a dozen emails since then from users thanking me for
           | including those.
        
             | stavros wrote:
             | Oh nice, I didn't realize it was a custom format.
        
           | mbreese wrote:
           | I came to say the same. I've had long encryptions keys
           | printed out as QR codes and it works surprisingly well. You
           | can still have the text of the key, but the QR code makes it
           | a much easier process.
           | 
           | Especially in a situation where you won't be around to help
           | troubleshoot.
        
             | conductr wrote:
             | And whoever does help has the keys to the kingdom
        
       | SoftTalker wrote:
       | It's not really necessary (though it might be helpful). For
       | important accounts (financial, mostly) there will be a policy and
       | process for granting access to the estate upon presentation of
       | acceptable proof of death.
       | 
       | A credit report will identify any open credit accounts and those
       | creditors can also be instructed to provide payoff information
       | and close the accounts.
       | 
       | The main thing you will need to handle the death are lots of
       | certified copies of the death certificate. One per account,
       | generally, and copies/digital scans are not accepted.
        
         | whatatita wrote:
         | > A credit report will identify any open credit accounts
         | 
         | In the US, for most traditional assets, sure, but not
         | necessarily elsewhere. If you have accounts your
         | spouse/partner/next of kin doesn't know about, then you should
         | list them somewhere and include that list in your end-of-life
         | paperwork.
        
         | cudgy wrote:
         | Who cares about the debt? Trust me. The debtors will find your
         | estate and if they don't, your dead anyway.
         | 
         | The main area to record would be asset accounts, valuables held
         | in safe deposit boxes, files, or secret locations holding
         | things like cash, stamps, coins, treasury certificates,
         | partnership agreements, titles, deeds, etc.
        
           | SoftTalker wrote:
           | Well, if the estate has any assets, the creditors legally
           | have a claim. Just makes things smoother and quicker to
           | identify all of them up front.
        
       | ErrantX wrote:
       | More important is what you want done with it all, or at least
       | what it all means.
       | 
       | My wife knows my password already (this is sensible redundancy).
       | But she doesn't know what I use or do, or who I might like her to
       | tell etc.
       | 
       | So by all means leave your password, but also leave a digital
       | "will".
        
       | lyptt wrote:
       | I've set up a Legacy Contact with my Apple ID, since that
       | provides access to all of my data, with a close friend in the
       | event of my death. It was fairly easy to set everything up and I
       | just had to provide their email address and send them a document
       | produced after the setup was complete.
       | 
       | It's definitely given me peace of mind, as I wouldn't want them
       | to be in a situation where my entire digital life was lost to
       | them. They would also then be able to close all of my accounts
       | and notify others of my passing.
        
       | throwbigdata wrote:
       | Consider looking into Shamir's Secret Sharing Scheme.
       | 
       | I am toying with starting an online service/company where users
       | would elect a backup group where M of N people in the group can
       | unlock the secrets. Use case would be secrets, passwords, Trusts,
       | Instructions.
       | 
       | This issue confronted me when we put our living trust docs in our
       | safe bit didn't have a good way for our executor to get into the
       | safe.
       | 
       | Would any of you use this service? Secure s3/Dropbox with SSSS
       | access. Secure online safety deposit box with multiparty
       | encryption.
        
       | dvh wrote:
       | No. I don't want them to see unfinished projects.
        
         | eastbound wrote:
         | "If you're not ashamed when you launch, you've launched too
         | late."
        
           | [deleted]
        
       | [deleted]
        
       | dewey wrote:
       | I did that recently as a backup measure, 1Password comes with a
       | good "emergency kit" that you can print out and store in a safe
       | place. It has instructions on how to access the vault and the
       | password in plain text.
       | 
       | The big advantage of a password manager that is consumer friendly
       | (Like 1Password) is that you can store everything in there
       | (documents, passport, notes) and it will be accessible to whoever
       | needs access to it. Not some obscure command line knowledge
       | necessary.
       | 
       | It is also a lot easier than having hundreds of papers / letters
       | in your house. Even if it's not about the security aspect, having
       | everything in one place is a big advantage.
        
       | kevinsky wrote:
       | Bitwarden has an emergency contact feature if you have a premium
       | membership. My wife and our lawyer have emergency access. They
       | can request it anytime. If I approve they have access right away
       | or if I reject it is denied. If I cannot or do not take action
       | access is granted after five days. It's well thought out and a
       | nice feature for $10/year https://bitwarden.com/help/emergency-
       | access/
        
       | nanomonkey wrote:
       | I use Dark Crystal (https://darkcrystal.pw/) to distribute my
       | secrets within my social network (scuttlebutt and email mostly).
       | It utilizes Shamir's Secret sharing.
        
       | ggm wrote:
       | Yes. A password manager and a written document in my successors
       | hands with the passphrases for it and the home laptop with
       | crypted disk. Plus Google account handover logic with dead man's
       | switch, and list of domain and virtual host providers.
        
       | LeoPanthera wrote:
       | My husband and I share a 1Password library. We initially toyed
       | with the idea of having a separate "shared" library but deciding
       | what we did and didn't want to share seemed like a lot of effort
       | so now we just share everything.
        
       | codegeek wrote:
       | Here is what I am thinking:
       | 
       | - Setup keypassx with all key accounts/passwords
       | 
       | - Setup 2FA on a phone app such as Google Authenticator. Then
       | make a backup on another phone (you can copy Authenticator app
       | data on another phone easily). Bonus: setup Authy app on a
       | desktop as well.
       | 
       | - Record a video of you showing anything critical
       | 
       | - Write down any details that only you know.
       | 
       | -Put all this in a simple HTML/Markdown page and save on an
       | encrypted disk and/or S3. For backup, save a copy on a flash
       | drive.
       | 
       | - Keep the encryption key and flash drive in a physical locker
       | that only is accessible to your spouse (if any) or anyone else
       | whom you want to. If you are using a physical 2FA device such as
       | Yubikey, then keep a copy in this locker as well.
       | 
       | - Make a Will which explains who/how can access all this if you
       | die suddenly.
        
         | nprateem wrote:
         | Or just use a password manager as usual but distribute your
         | password with shamir split between several trustworthy parties,
         | one of whom would be a solicitor or someone like that (along
         | with your will)
        
         | throwawaaarrgh wrote:
         | Seems a little overkill? 2FA isn't even really necessary if you
         | have a password manager. Write down the master passwords on
         | some paper, put it with the rest of your documents in a fire
         | safe. Access to someone's email account is the biggest thing
         | you need anyway since everything can be reset through it.
        
       | Loughla wrote:
       | I have. I have a password manager containing everything, with the
       | password to that enclosed in my end of life paperwork with the
       | lawyer/in the bank vault. My will spells out who is to do what
       | with that information.
        
       | martin8412 wrote:
       | Absolutely not. Everything dies with me.
        
         | pessimizer wrote:
         | I'm only afraid that if I go quickly, I won't be able to
         | destroy everything I've written and drawn. If I want people to
         | know something of me, I'll present it to them. I'm not looking
         | to be mined for content after death and recontextualized.
         | 
         | My passwords and encryption are to enforce that policy
         | digitally.
        
       | autotune wrote:
       | My dog has likely seen me type in my password at some point, but
       | otherwise, no one else gets access even after death.
        
         | hinata08 wrote:
         | I think the same
         | 
         | Why would anyone access my Discord account, or my kawaii and
         | punk music playlists on Deezer. This quality content goes with
         | me into the grave.
         | 
         | OK content is unencrypted on my computer, anyway
        
       | TehShrike wrote:
       | Like many others here, I also have a 1Password account shared
       | with my wife so she has access to all of our accounts.
       | 
       | Besides that, I have a tag called `after-he-dies` with some
       | secure notes in it, including a note that tags every account at a
       | bank or investment account where we have money, so that she won't
       | risk losing 20k or something because she doesn't know where every
       | money account is or whatever.
       | 
       | That tag also includes a note with instructions for how to make
       | sure that the accounts that automated bills pull out of don't run
       | out of money.
        
       | 7402 wrote:
       | Printed list in safe deposit box.
        
       | dontbenebby wrote:
       | I am gonna drop my will in the little library thingy with a copy
       | of sun tzu later, for now I wanna let kids enjoy the holiday
       | without having to wander around some stoner.
       | 
       | (My passphrases will cause a nuclear war if read in open court,
       | fuck around and find out, consent matters.)
        
       | xupybd wrote:
       | I have printed keys at work. For my personal stuff no I don't.
       | 
       | My fathers friend had a stroke. He was left alive but not able to
       | use more than a few words. It was a huge problem trying to make
       | arrangements for him. If we'd had even his phone password months
       | could have been saved.
        
       | [deleted]
        
       | spiffytech wrote:
       | I've set up Bitwarden granting time-delayed emergency access to a
       | couple of family members.
       | 
       | I've also left a thumb drive with a Bitwarden export and printed
       | paper in a safe place for my family, describing how to access
       | everything important.
       | 
       | I trust my family not to abuse that, but if I was less trusting
       | I'd look at Samir's Secret Sharing to ensure family members had
       | to collaborate to retrieve my sensitive info. Or leave the data
       | with a lawyer.
       | 
       | I made sure to pass on my 2FA secrets too.
        
       | chris1993 wrote:
       | Yes, I've done this with bitwarden which has the option to grant
       | full access after a grace period.
        
       | chrizel wrote:
       | I'm using 1Password Family with my partner which provides the
       | functionality for defined users to recover all passwords for the
       | other user. [^1]
       | 
       | So in case of my death or my partners death, we can recover each
       | others passwords.
       | 
       | [^1]: https://support.1password.com/recovery/
        
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