Your Harness Money Binder

Welcome to my life binder. If I am not around anymore, you can use this binder to get access to all the different areas of my life.

1. Who to contact first (estate attorney, CPA, employer)
2. How to get access to cash
3. Any bills/loans that need immediate attention
4. Access to key documents (e.g., Medical Directive)
5. Things not to worry about right away
1. Our investments–I rarely make changes to our investments, so no need to worry about them immediately. You can literally go years without making changes. So take your time to learn and seek advice.

Ideally you should put your financial assets: IRA, stock account, in the name of the revocable trust in case something happens to you and to avoid going through court probate.

What do you want your sendoff to look like?

Your own Eulogy.

The document that lays out what you want to happen to your financial assets when you die.

This document spells out your medical wishes. DNR. etc.

Who is the person in charge of making financial decisions about your estate?

Usernames and passwords for all the important websites that you use.

Any essential property documents.

Any important documents related to your auto property. Car, boat, ATV etc. Insurance, maintenance documents.

Key people in your life.

Jewelry, clothing, tools, signed items, collectibles, guns, etc.

You may have things that you think are valuable, but I have no idea what the value of that stuff is. Make it easy for someone else to know what you have and then understand the value of that item. Update that list as you acquire more items.

This section could also include digital assets. Software, photos, videos etc.

Bank accounts

Retirement accounts

Insurance accounts

Business information

Social Security

Doctor

Pharmacy

Medical History

Health Insurance info

HSA

Anything you think is important should be in the healthcare section of your binder.

Write down your personal mission statement and how you operate

Your financial snapshot.

Could come in handy.