Let’s face it: in most households, one person ends up being the "techie"—they manage all the online accounts, pay the bills, set up the gadgets, and keep track of passwords. Meanwhile, the other person might have no idea what’s what—until something happens and they’re left to figure it all out.

It’s not just about passwords—it’s about being able to keep the lights on, find out where the mortgage is, and know what subscriptions to cancel.

What you need to figure out ASAP:
- Which bank has the mortgage?
- Is the car insurance bundled with something else?
- What bills are coming due this week?
- Which accounts you can shut down and which you need to keep
- Which ones are personal vs. part of your partner’s business or work

So how do you make this easier? Some tech-minded folks create a “tags feed.” It's basically a cheat sheet—a list of all your digital accounts, grouped by topic, in plain English. Like a digital phone book for your life.

Here’s what that might look like:

Healthcare:
- Doctor’s portal
- Specialists
- Health insurance login
- Pharmacy accounts
- HSA info

Money Stuff:
- Checking and savings
- Credit cards (listed by bank)
- Investment accounts
- Retirement funds

Home Life:
- Electric company
- Gas and water
- Internet
- Home security system

Insurance
- Car
- Home
- Life
- Umbrella policy

The biggest downside? You have to keep both the password manager and this cheat sheet updated. Every time you add a new account, change a password, or switch services, you have to update two places. And let’s be honest—nobody does that consistently.

There’s a huge opportunity here. The population is aging, and almost everything is digital now. The companies that build tools for estate planning (not just password hoarding) will stand out.

Features worth building:
- Smart tagging and automatic account grouping
- Visual maps that show how accounts connect
- Guided checklists for surviving spouses
- Partnerships with legal and financial services
- Family-sharing options that actually make sense in emergencies