Ask HN: How do you ensure your family can access your digital life if you die?
3 ghostfoxgod 14 8/13/2025, 2:19:45 PM
I've been thinking about this lately. Most of us have dozens of online accounts, digital assets, and important documents scattered across various services. If something happens to me, my family would have no idea how to access my banking and investment accounts, important documents (wills, insurance, etc.).
I know password managers exist, but they don't solve the "what accounts do I even have?" problem, and most families don't know how to use them. And I don't want to share access to my accounts right now, only after I am no longer alive.
What's your approach? Do you have a system in place, or is this something you've been meaning to figure out but haven't gotten around to?
I'm particularly interested in solutions that work for non-technical family members who might be dealing with grief and stress.
I keep a list in a simple text file that is encrypted and hidden by appending it to a particular .jpg image file (of which I have thousands). For convenience, I have a little CLI utility I wrote which accepts a filename and key in order to automate retrieval, decryption, viewing/editing, re-encryption and replacing the data in it's hiding place --- all without altering the carrier file's date/time.
I have retrieval instructions in a sealed envelope with my lawyer and a trusted family member --- only to be opened upon my demise.
I keep backups of this along with all my personal and business documents, will, etc.. Basically, I follow the 3-2-1 backup plan (https://www.backblaze.com/blog/the-3-2-1-backup-strategy/).
I carry the "1" part strapped to my wrist at all times (encrypted with Bitlocker) so it is as safe as I am --- if not safer.
https://www.thingiverse.com/thing:6784665
For data that I don't want to survive me, I keep it on a server that has a dead-man's switch mechanism that will erase it if I don't reset the switch regularly.
I also make it a point to minimize the amount of this stuff that has to be dealt with (the dead-man's switch is part of this effort). I have no social media accounts anymore, for instance, so nothing needs to be done for that kind of thing.
And I don't want to sound rude, but what if the executor passes away before you and you are not aware about it, what's the backup plan?
It's one of my children.
I doubt that they would pass away without me knowing about it since I talk with my children frequently, but if that happened then the plan falls apart a bit. There are actually a couple of failure points aside from that in my plan that could lead to a loss of the data. The odds of that happening are low enough that I'm willing to take that risk, though.
The actually important stuff such as legal documents are kept in a safe deposit box and with my attorney. Those are the only things that I consider to be mandatory, so those are the most recoverable.
Seems very scary, there might be so many things that he doesn't even know about. I tried searching for this, and it seems like there are billions of dollars left in dormant accounts because no one claimed it, majorly because the person's family don't even know how to access those or worse are not even aware about it.
I’m the beneficiary of all of their accounts. I reviewed where they have their accounts at. As long as I know where there accounts are, if it takes months to get to it - which isn’t the case since I’m the beneficiary, why does it matter? I don’t need their money.
However, they did make me a joint account holder on one of their accounts that had enough money in it to take care of final expenses.
Even if I did have passwords to their other accounts, I wouldn’t access them and start transferring money until it went through all of the level processes when they pass - aside from their joint accounts.
Of course joint accounts does require a fair amount of trust in your children.
I have gone through this with both my parents. In one case, I needed a death certificate to even get access to the will. (It was held by a lawyer, and at least some lawyers won't let just anybody see the will. I had to prove that I had the right to see it, which meant a death certificate plus being an executor on the will.)
With the will and a death certificate, I went to a bank. They wouldn't tell me anything about the account - not even the amount in it - because I hadn't gone through probate. Well, in that state, I didn't have to go through probate if the estate was less than $100,000. But without knowing how much was in the account, I didn't know if I needed to go through probate! They finally "bent the rules" enough to tell me that, yes, there was enough there that I needed to do probate.
So I applied for probate, which cost $500, and was a slam-dunk because nobody contested and the will said I was the executor. And then the bank would talk to me.
Joint accounts or a trust are much smoother.
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.
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.