How do I organize a "when I die" file for my family?

A "when I die" file is a single, findable place that holds everything your family needs to settle your affairs without a scavenger hunt. Include a list of all accounts (bank, brokerage, retirement) with institutions and rough balances, insurance policies, debts and recurring bills, your will and trust, powers of attorney and healthcare directives, login credentials or a password-manager key, contacts for your attorney, accountant, and advisor, and instructions for funeral wishes and pet care. Add a short letter of intent explaining anything that needs context. Keep it secure but accessible — a home safe with the executor knowing the combination works well. Update it once a year and after major changes. This isn't a legal document, so it can't transfer assets, but it spares your loved ones weeks of confusion during grief. Building it is one of the most caring, practical estate tasks you can do.