My main advice is just to get something in place NOW. It doesn’t have to be perfect. It won’t be perfect. It can be changed and should be reviewed & changed every so often. Little things in your life are always changing. I feel confident that my kids know what to do with their lives financially, but it’s a whole different ballgame taking care of things once someone is deceased. See the threads on here! That’s where I’ve learned a lot of little tidbits to add to my document.
And just last night… I realized that even though I pay everything I can with autopay, I still get 2 paper bills in the mail (Target, Xfinity) that are paid automatically. I was hoping to get an incentive for paperless billing, but it’s been years now. My document spells out these are on autopay, but I am fairly certain that H would see a paper bill in the mailbox and just pay it. Who knows how long this would go on until it got straightened out.
So on my to do list for today is to switch those over…