In 1995, settling an estate was tedious but solvable. You collected the mail for three months, and eventually every account you owned mailed you a statement and identified itself.
The mail was the map.
Today the mail contains a grocery flyer and a postcard from a dentist. Every statement is paperless. Every login needs a code sent to a phone that is locked. Every password reset goes to an email account nobody can get into.
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Your will describes who gets what. It says nothing about how anyone finds it. In 2026 that second problem is bigger than the first.
This is the gap almost nobody plans for, and it has a fix that takes about three hours and costs nothing.