If you keep your passwords secure on a Password Manager -- and you should, I think -- here is a suggestion for your consideration. My wife and I both use the same Password Manager: mSecure. (https://www.msecure.com/). The app can be purchased from Apple's App Store as well as the website. We both have the app on our Macs as well as our iPhones, and are able to easily sync between devices. We both use the same password, so if one should pass before the other (which is most likely), then the remaining spouse would have access to passwords for bank accounts, etc. I shudder to think what it would be like for a remaining spouse to try and figure out passwords to get into bank accounts, etc. What a mess that would be.

We happen to like the features of mSecure, but there are other Password Managers one can consider. But, if you have a spouse (or even if you don't), I highly recommend your getting and using a Password Manager -- and both spouses use the same password. If single, perhaps leaving your password with a sibling or your beneficiary.

As I said, just a thought for your consideration.

Jim Hamm