A heads up for y'all. Actually something that one of the briefers always covers when Redstone has their annual retiree day program. Make it easy for the spouse or kids to access stuff if you are incapacitated or die. Don't do bills etc just by email or login ... get the real thing by mail. Reason: if you lose your mind (or just short term processing or memory), the spouse or kids or whoever can't manage stuff. My wife swears she paid her credit card and the joint credit card bills, but nothing was deducted from the joint checking, and I have no way to log in to the credit card account and QA whatever she did. Last month there was a penalty because she didn't pay it on time. My credit card bill, bank statements, tax stuff, IRA info, etc come by mail; she or one of the boys could always handle it if my mind left the building.
Second problem: wife told DFAS (military retirement) and banks to go paperless. Tax time is here and no 1099 and no statements with interest for accounts that don't require the IRS form. We go through this every year - normally she's pissed that she has to dig it up and I'm pissed because she keeps putting it off. This year she can't reliably follow simple instructions for things even though the long term memory and knowledge are there ... and she can't seem to find her passwords. Probably going to have to do some SWAGs, pay something, and file later ... PITA.
Not preaching ... just a word of advice. Some things are better done the old fashioned way. No need to pay bills with a check over online banking ... just make sure you get hardcopies of the bills and statements.