All of my passwords are in Bitwarden and important ones are shared with my wife who has her own Botwarden and has shared her important passwords back with me. If one of us goes, the other will have access to everything. I don’t (yet) have any descendants to inherit anything of importance, so I’m not worried about anything beyond my passwords so that if something happens to me, my wife can manage all of the accounts for bills, banking, communication, etc.

If/when I have children, I will likely make a new plan that builds on what I already have, with directions to access my password vault that can be given to my brother and his husband and my parents, should they outlive me and my wife. With my passwords, everything else of import is accessible. Thankfully, my brother is very tech savvy, so if my wife and I both go, I can trust him to be able to log in to everything and pull important media down.