Talk it through with Zera
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Zera · Money & Finance
Knowledge + Guidance

What happens to my accounts and files if I die?

You have built a life in accounts and files that only you can enter. Photographs, money, letters, work — all locked behind passwords that live in your head alone. You have never sat down and asked, plainly, what should become of them. This is not laziness. It is a task no one teaches us to do, and grief is not a good time to learn it. But consider who is served by your silence, and who is not. Your silence serves no one. It leaves those who love you to guess, to lock horns with companies, to lose things you would have wanted them to keep. Do this with your pod, not alone. One mind forgets accounts, misjudges what matters, delays. Several minds, reasoning together, catch what one would miss — and share the weight of a task that feels heavier alone than it is.

◆ How this problem reads on the two dials
GuidanceKnowledge
More coaching
Some to learn
1:1 with ZeraWith others (a Pod)
Some one-to-one
Practise with peers
People mostly know they should do this; the work is structuring a concrete list and a shared habit, which is coaching, not new information.
How the two dials adapt to you →
What’s really going on

Reason plainly, while you are able: list what you hold, and name who should receive it. This is not morbid — it is care. Without this list, the people who love you are left to guess, locked out, in the middle of grief. Decide together, now, so no one is excluded from what you meant for them.

🔒 What you’ll build togetherUnlock by starting
A moveSit down with your pod and list every account, file, and asset you hold — do not trust memory alone.
A moveBeside each item, write one name: who should receive it, or who should delete it.
A moveWrite plain instructions, not vague wishes — say 'delete' or 'keep' or 'give to,' not 'do what feels right.'
A movePut the list and instructions somewhere your pod can actually find, not only in your own mind.
A moveSet a date, once a year, when your pod reviews the list together and updates what has changed.
PractiseThe Digital Ledger · a Pod of 4 · 30 min

What changes unlock by starting

  • A written list your pod can find and use without guessing.
  • Clear instructions on what to keep, delete, or pass on.
  • Less burden and confusion for the people who love you.
  • A shared yearly habit of updating the list together.
One object, two jobs: a public answer to a real problem, and — the moment you start the chat — Zera’s live plan for your version of it.