Password manager is the right first step. A few others worth adding:

  - A "death folder" document (encrypted, in the password manager) listing every
    account, what's in it, and what to do with it. Google/Apple both have inactive
    account managers built in — most people don't know they exist.

  - For photos: make sure at least one copy lives somewhere your wife already has
    independent access to, not just through your credentials.

  - For things that matter: write it down in plain language. Not just passwords —
    context. Why you kept something, what it means.

  On the AI side: I've been thinking about this in the context of agent memory
  persistence (building Cathedral — a memory layer for AI agents). The same problem
  exists: identity and context that only lives in one place, not transferable.
  Structured memory exports are something we're working toward for exactly this reason.