Make a will. If thou hast children, name a guardian. Name beneficiaries on every account. Maintain a single document — physical and digital — that thy spouse or executor can find within an hour.
Without a will, the state decides where thy assets go and who raises thy children. This is not a hypothetical horror; it is the default.
Update the document at every major life event: marriage, divorce, birth, death, major purchase. Two hours of paperwork can spare thy family two years of court.
The Seal of the Chamber
What thou hast not written down is not thine to bequeath.