Everything your family needs the day you die, so they're not locked out, lost, and guessing while they grieve.
If you died tonight, could your family get into your phone, pay one bill, or even find your will? Most can't, and the mess can drag on for years. This is the one folder that ends it.
Private by design, your passwords never leave your home.
Fill it out in one afternoon. Leave them everything. Spare them the search.
How to use thisii
Do this in one afternoon
You don't have to finish today. Work top to bottom, each step takes
a few minutes, and you can stop and come back. By the end, the hardest parts are already done.
Fill in “Start Here”
10 min
List the people who step in
Who's in charge, and who your family should call first.
10 min
Note where your documents live
Not what's in them, just where to find them.
10 min
Sort your money and your digital life
Accounts, devices, and how to get in. Never the passwords themselves.
20 min
Write down your wishes
Medical, funeral, and who takes the pets.
15 min
Leave a few words
For the people you love. Take as long as you like.
open
Then tell one person this exists, and where you keep it. That's the whole job.
The Final FileHow to use this
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
Start Hereiii
Start Here
If your family finds only one page, let it be this one. It points to everything else.
Margaret A. Calhoun
fire safe, hall closet, top shelf
In the first 48 hours
Call the person named above, you don't have to do anything alone.
Find this planner; keep it closed to anyone who doesn't need it.
Don't cancel any accounts or subscriptions yet, they're listed inside, in order.
When ready, contact the funeral home noted under 05 · The Wishes.
The Final Fileiii
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
01
The People
When you're gone, someone has to step in. Name them here, or a court names a stranger, and your family pays to fight about it.
What's inside
The person in charge (executor) + a backup
If you have no spouse or kids
Spouse / partner & children
Power of attorney
Lawyer, accountant, advisor
The people to notify
The Final FileSection 01
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
01 · The People01
The person in charge
David Calhoun
Yes
Not yet
If you're on your own
No spouse or children? You still get to choose who steps in. Name a trusted friend, a niece or nephew,
or a professional (a lawyer or fiduciary). If you name no one, your state decides for you.
Family
Your people to call
The Final File01
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
02
The Paperwork
The day they need your will is the worst day to start hunting for it. Point them straight to it, and everything else. Location only, never contents.
What's inside
Will & living trust
Power of attorney
Healthcare directive
Property deeds & titles
Insurance policies
The safe & safe-deposit box
The Final FileSection 02
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
02 · The Paperwork02
Remember
Write where it is, not what it is. A location is safe to record. The document's contents are not.
Legal documents
safe-deposit box, Key Bank
Records & property
Insurance policies
Home
Auto
Health
Long-term care
The safe & the key
not the combination, just the key
The Final File02
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
03
The Money
Your bills don't stop when you do. Every account and auto-payment in one place, so nothing bounces, nothing's missed, and nothing keeps draining a card no one's watching.
What's inside
Bank & credit accounts
Investments & retirement
Pensions & Social Security
Debts, loans & mortgage
Auto-payments to cancel
Cash & valuables
The Final FileSection 03
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
03 · The Money03
Accounts
Key Bank, checking
paper / see Digital
Investments, retirement & income
What's still going out
Netflix · the gym · newspaper · storage unit · two streaming services I forgot about
The Final File03
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
04
The Digital Life
Your whole life is behind a password now, and it dies with you. This is the page that gets your family back in. You'll write where the keys are, never the keys themselves.
What's inside
Your password manager + emergency access
The phone (where the codes go)
Email & devices
Photos & the cloud
Crypto & digital wallets
Social media, keep or close
The Final FileSection 04
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
04 · The Digital Life04
Read first
Write where it is, not what it is. Your passwords belong in your home, in a password manager or a sealed
note in your safe, never in a document that could be copied, emailed, or made public in probate.
Your password manager, the master key
1Password / a notebook in the safe
sealed envelope, safe
The phone, where the codes arrive
Yes
No
Most accounts text a code to this phone to let anyone in. Without it, even the right password fails.
Email, devices & the cloud
iCloud / Google Photos
Crypto & social media
yes, seed phrase in the safe, NOT here
Facebook, memorialize
Instagram, close
Email, keep 1 yr
The Final File04
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
05
The Wishes
Don't leave them guessing what you wanted, then fighting over it. Your care, your goodbye, and who takes the ones who can't speak for themselves: your pets.
What's inside
Medical & organ-donor wishes
Funeral or cremation
The service, music, readings, who speaks
Who takes the pets
The notify list
Resting place
The Final FileSection 05
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
05 · The Wishes05
Care & medical
Organ donor
DNR on file
Directive, see 02
The goodbye
Burial
Cremation
Green / natural
keep it short, outdoors, no black, play Willie Nelson
The ones who can't speak for themselves
Biscuit
Who to tell
the Tuesday bridge club · cousin Ray in Ohio · the church office
The Final File05
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
06
The Personal
The paperwork keeps them out of court. This is the part they'll keep forever, the things you'd want said, in your own hand.
What's inside
Letters to the people you love
Things I want you to know
Stories worth keeping
Where I've been happiest
The Final FileSection 06
01People
02Paperwork
03Money
04Digital
05Wishes
06Personal
06 · The Personal06
A few words for the people I love
Write as much or as little as you like. This is the page they'll keep.
Things I want you to know
Where I've been happiest
The Final File06
The last step✓
Tell someone this exists.
You've done the hard part. The last step takes thirty seconds, tell one person
this file exists and where it lives. A perfect plan no one can find is worth nothing.