digital-estate-planner
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ChineseDigital Estate Planner
数字遗产规划指南
A comprehensive guide for organizing your digital life so that in the event of death, incapacity, or emergency, your loved ones can access what they need without guessing passwords, hunting for accounts, or losing irreplaceable data.
一份全面的指南，用于整理你的数字生活，以便在你身故、丧失行为能力或遇到紧急情况时，你的亲人无需猜测密码、搜寻账户或丢失不可替代的数据，就能获取所需信息。
Core Philosophy
核心理念
We plan for physical death but ignore digital death. This skill helps you:
- Document accounts and access methods systematically
- Designate what should happen to digital assets
- Preserve important data and memories
- Create clear instructions for digital executors
- Do this in a way that maintains security while enabling access
我们会为身故后的现实生活做规划，却忽略了数字世界的身后事。本指南能帮你：
- 系统记录账户及访问方式
- 指定数字资产的处理方式
- 留存重要数据与回忆
- 为数字遗产执行人制定清晰指令
- 在保障安全的前提下实现便捷访问
The Digital Estate Problem
数字遗产的痛点问题
What happens when someone dies:
PHYSICAL WORLD:
- Safe deposit box → Bank knows location, key exists
- House → Deed on file, keys can be made
- Car → Title exists, spare key somewhere
DIGITAL WORLD:
- Email → Password unknown, 2FA on dead phone
- Photos → Which cloud? iCloud? Google? Both? Neither?
- Crypto → Private keys? Seed phrase? Hardware wallet location?
- Subscriptions → Which cards? Auto-renewing forever?
- Social media → How to memorialize? Who has access?当某人身故后会发生什么：
现实世界：
- 保险箱 → 银行知晓位置，有钥匙留存
- 房产 → 有契据存档，可配钥匙
- 车辆 → 有产权证明，某处存放备用钥匙
数字世界：
- 邮箱 → 密码未知，双因素认证绑定的手机已停用
- 照片 → 存在哪个云平台？iCloud？Google云？都有？还是都没有？
- 加密货币 → 私钥在哪里？助记词？硬件钱包的位置？
- 订阅服务 → 绑定了哪张卡？会自动永久续费吗？
- 社交媒体 → 如何设为纪念账户？谁能访问？Decision Tree
决策树
What is the user trying to accomplish?
├── FULL ESTATE PLANNING → Complete digital inventory + instructions
├── EMERGENCY ACCESS SETUP → Minimal viable access for trusted person
├── SPECIFIC ACCOUNT QUESTIONS → Single account legacy settings
├── CRYPTO/FINANCIAL ASSETS → High-security asset documentation
├── SOCIAL MEDIA LEGACY → Memorialization and content decisions
└── PHOTO/DATA PRESERVATION → Ensuring memories survive
Is there a trusted person designated?
├── NO → Help identify digital executor first
└── YES → Proceed with documentation
What is the security comfort level?
├── HIGH (tech-savvy) → Can use password manager inheritance, encrypted docs
├── MEDIUM → Password manager + written backup in secure location
├── LOW → Written documentation in secure physical location用户的目标是什么？
├── 完整遗产规划 → 完整数字资产清单 + 操作指令
├── 紧急访问设置 → 为信任的人配置极简访问权限
├── 特定账户问题 → 单个账户的遗产设置
├── 加密货币/金融资产 → 高安全等级资产记录
├── 社交媒体遗产 → 纪念设置与内容处理决策
└── 照片/数据留存 → 确保回忆得以保存
是否已指定信任的联系人？
├── 未指定 → 先协助确定数字遗产执行人
└── 已指定 → 继续进行记录工作
安全接受程度如何？
├── 高（精通技术）→ 可使用密码管理器继承功能、加密文档
├── 中 → 密码管理器 + 存放在安全地点的书面备份
├── 低 → 存放在安全物理地点的书面记录The Digital Inventory
数字资产清单
Tier 1: Critical Access (Must have for estate management)
一级：核心访问权限（遗产管理必备）
| Account Type | Examples | Priority |
|---|---|---|
| Primary email | Gmail, Outlook, iCloud | CRITICAL |
| Phone/carrier | Verizon, AT&T, T-Mobile | CRITICAL |
| Password manager | 1Password, Bitwarden, LastPass | CRITICAL |
| Banking | Primary bank, credit cards | CRITICAL |
| Government | SSA, IRS, DMV accounts | HIGH |
| Insurance | Life, health, auto, home | HIGH |
| 账户类型 | 示例 | 优先级 |
|---|---|---|
| 主邮箱 | Gmail, Outlook, iCloud | 核心 |
| 手机运营商 | Verizon, AT&T, T-Mobile | 核心 |
| 密码管理器 | 1Password, Bitwarden, LastPass | 核心 |
| 银行账户 | 主银行账户、信用卡 | 核心 |
| 政府相关账户 | 社会保障局（SSA）、国税局（IRS）、车管所（DMV）账户 | 高 |
| 保险账户 | 人寿保险、健康保险、车险、家财险 | 高 |
Tier 2: Financial Assets
二级：金融资产
| Asset Type | Documentation Needed |
|---|---|
| Bank accounts | Account numbers, online access, location of cards |
| Investment accounts | Brokerage, 401k, IRA access info |
| Cryptocurrency | Wallet addresses, seed phrases, hardware wallet location |
| PayPal/Venmo | Account access for balance recovery |
| Property deeds | Digital copies location, original locations |
| 资产类型 | 需记录的信息 |
|---|---|
| 银行账户 | 账号、线上访问方式、银行卡存放位置 |
| 投资账户 | 券商账户、401k、IRA的访问信息 |
| 加密货币 | 钱包地址、助记词、硬件钱包位置 |
| PayPal/Venmo | 账户访问权限（用于余额追回） |
| 房产契据 | 电子副本存放位置、原件存放位置 |
Tier 3: Digital Memories
三级：数字回忆
| Type | Preservation Action |
|---|---|
| Photos | Identify ALL locations (phone, cloud, social), consolidate |
| Videos | Same as photos—often more scattered |
| Documents | Identify family archives, important files |
| Social media | Download archives, decide preservation wishes |
| Creative work | Writing, art, projects—where stored? |
| 类型 | 留存操作 |
|---|---|
| 照片 | 确认所有存放位置（手机、云平台、社交媒体），进行整合 |
| 视频 | 与照片处理方式相同——通常分散存储情况更严重 |
| 文档 | 确认家庭档案、重要文件的位置 |
| 社交媒体 | 下载存档，确定留存意愿 |
| 创意作品 | 文字、艺术作品、项目——存储位置？ |
Tier 4: Ongoing Services
四级：持续服务
| Service | Death Action |
|---|---|
| Subscriptions | List all, note which to cancel |
| Domains | Renewal info, transfer instructions |
| Hosting | Websites, what should happen to them |
| Cloud storage | Paid plans that need canceling or transferring |
| 服务类型 | 身故后处理方式 |
|---|---|
| 订阅服务 | 列出所有服务，标注需取消的项目 |
| 域名 | 续费信息、转移指令 |
| 托管服务 | 网站，确定后续处理方式 |
| 云存储 | 需取消或转移的付费套餐 |
The Digital Executor
数字遗产执行人
Who Should This Be?
合适人选？
Good candidates:
- Tech-comfortable (can navigate password managers, 2FA)
- Trustworthy (obvious, but critical)
- Likely to outlive you
- Emotionally capable of handling your digital life
Consider:
- Same person as physical executor? (Often yes, but not required)
- Backup digital executor?
- Specific person for specific assets? (Crypto expert for crypto)
理想候选人：
- 熟悉技术（能操作密码管理器、双因素认证）
- 值得信赖（显而易见，但至关重要）
- 大概率比你长寿
- 能理性处理你的数字资产
需要考虑：
- 是否与现实遗产执行人为同一人？（通常是，但非必须）
- 是否指定备用数字遗产执行人？
- 是否为特定资产指定专人？（比如找加密货币专家处理加密资产）
What They Need
他们需要的信息
Create a "Digital Executor Letter" containing:
markdown
undefined创建一份「数字遗产执行人指令信」，内容包括：
markdown
undefinedDigital Executor Instructions for [Name]
致[姓名]的数字遗产执行人指令
If I Die or Become Incapacitated
若我身故或丧失行为能力
Immediate Access
紧急访问权限
-
My password manager is: [1Password/Bitwarden/etc]
- Master password location: [safe deposit box/with attorney/sealed envelope location]
- Emergency access feature: [if applicable, how to trigger it]
-
My phone passcode: [stored with master password OR specific location]
-
My primary email: [address]
- Access through password manager
- This email is recovery email for most other accounts
-
我的密码管理器是：[1Password/Bitwarden等]
- 主密码存放位置：[保险箱/律师处/密封信封存放位置]
- 紧急访问功能：[若适用，触发方式]
-
我的手机解锁密码：[与主密码存放在一起或指定位置]
-
我的主邮箱：[邮箱地址]
- 通过密码管理器访问
- 该邮箱是大多数其他账户的恢复邮箱
Critical First Steps
首要步骤
- Access email and phone to receive 2FA codes
- Notify these accounts of death: [list priority accounts]
- Download/preserve: [list what matters]
- Cancel: [list subscriptions to stop]
- 登录邮箱和手机以接收双因素认证验证码
- 通知以下账户关于我身故的消息：[列出优先级账户]
- 下载/留存：[列出重要内容]
- 取消：[列出需停止的订阅服务]
Specific Account Instructions
特定账户指令
[Bank Name]: Contact branch at [location], reference account #[number]
[Crypto]: Hardware wallet in [location], seed phrase in [separate location]
[Social Media]: Please memorialize / delete / [specific instructions]
[银行名称]：联系[地址]的支行，参考账号#[账号]
[加密货币]：硬件钱包在[位置]，助记词在[单独位置]
[社交媒体]：请设为纪念账户/删除/[具体指令]
What I Want Preserved
我希望留存的内容
- Photos in [Google Photos/iCloud/etc] - please download and keep
- Writing in [location] - please share with [person]
- [Specific items with specific instructions]
- 存放在[Google Photos/iCloud等]的照片——请下载留存
- 存放在[位置]的文字作品——请分享给[某人]
- [有具体指令的特定内容]
What Can Be Deleted
可删除的内容
- Browser history (please don't look, just delete)
- [Other items you don't care about preserving]
undefined- 浏览器历史记录（请直接删除，无需查看）
- [其他你不在意的内容]
undefinedPassword Manager Inheritance Features
密码管理器的继承功能
1Password
1Password
- Emergency Kit: PDF with account info, Secret Key, printed password
- Family/Team sharing: Add trusted person to vault
- Tip: Store Emergency Kit with attorney or in safe deposit box
- 应急工具包：包含账户信息、密钥、打印版密码的PDF文件
- 家庭/团队共享：将信任的人添加到密码库
- 小贴士：将应急工具包交给律师或存放在保险箱中
Bitwarden
Bitwarden
- Emergency Access: Trusted contact can request access, waiting period you set
- Organizations: Shared vaults for family
- Export: Can create encrypted backup
- 紧急访问：信任联系人可申请访问，等待时长由你设定
- 组织功能：为家人创建共享密码库
- 导出：可创建加密备份
LastPass
LastPass
- Emergency Access: Similar to Bitwarden—trusted contact, waiting period
- Family plan: Shared folders
- 紧急访问：与Bitwarden类似——信任联系人申请，需等待设定时长
- 家庭套餐：共享文件夹
Apple Keychain
Apple Keychain
- Legacy Contact: iOS 15.2+, designate someone who can request access
- Recovery Key: Store securely if used
- 遗产联系人：iOS 15.2及以上版本，可指定某人申请访问权限
- 恢复密钥：若使用请妥善留存
- Inactive Account Manager: Designate contacts, set inactivity period
- Data download: Contacts get access to specified data after inactivity
- 闲置账户管理器：指定联系人，设置闲置时长
- 数据下载：联系人在账户闲置后可访问指定数据
Cryptocurrency Special Handling
加密货币的特殊处理
Crypto is the highest-risk digital asset for inheritance. Private keys = ownership.
加密货币是遗产传承中风险最高的数字资产。私钥=所有权。
Documentation Required
需记录的信息
CRYPTO ESTATE DOCUMENTATION
───────────────────────────
Exchange Accounts: [Coinbase, Kraken, etc]
- Login credentials in password manager
- 2FA backup codes stored with master password
Hardware Wallets: [Ledger, Trezor]
- Physical location: [where]
- PIN: [stored with seed phrase OR separate location]
Seed Phrases: [CRITICAL - this is the money]
- Location: [safe deposit box, fireproof safe, split storage]
- NEVER store digitally unless encrypted
- Consider: stamped metal backup (fireproof)
Software Wallets: [MetaMask, etc]
- Seed phrase location: [same security as hardware]
Instructions:
- How to access: [step by step for non-crypto person]
- What to do: [hold, sell, transfer to specific wallet]
- Who can help: [crypto-savvy friend/advisor name and contact]加密货币遗产记录
───────────────────────────
交易所账户：[Coinbase, Kraken等]
- 登录凭证存放在密码管理器中
- 双因素认证备份码与主密码存放在一起
硬件钱包：[Ledger, Trezor]
- 物理位置：[地点]
- PIN码：[与助记词存放在一起或单独位置]
助记词：[至关重要——等同于资产本身]
- 存放位置：[保险箱、防火保险柜、拆分存储]
- 切勿以未加密的数字形式存储
- 建议：使用金属备份（防火防水）
软件钱包：[MetaMask等]
- 助记词存放位置：[与硬件钱包同等安全级别]
操作指令：
- 访问方式：[为不懂加密货币的人编写的分步指南]
- 处理方式：[持有、出售、转移到指定钱包]
- 可求助的人：[懂加密货币的朋友/顾问姓名及联系方式]Seed Phrase Security
助记词的安全存储方式
Options for seed phrase storage:
- Safe deposit box - Bank access, but bank can access too
- Home fireproof safe - You control, fire risk lower
- Split storage - Half with attorney, half in safe (requires both)
- Metal backup - Stamped steel survives fire/flood
- Shamir's Secret Sharing - Technical but very secure
助记词存储选项：
- 保险箱 - 银行可访问，安全性高
- 家用防火保险柜 - 由你掌控，火灾风险更低
- 拆分存储 - 一半交给律师，一半存放在保险柜（需两者结合才能获取）
- 金属备份 - 冲压钢材质，可抵御火灾/洪水
- Shamir密钥拆分 - 技术难度高但安全性极强
Social Media Legacy Settings
社交媒体遗产设置
- Legacy Contact: Designate someone to manage memorialized account
- Options: Memorialize (frozen tribute) or Delete after death
- Location: Settings > Memorialization Settings
- 遗产联系人：指定某人管理纪念账户
- 选项：设为纪念账户（冻结的致敬页面）或身故后删除
- 设置位置：设置 > 纪念账户设置
- Memorialization: Request form available, requires proof of death
- Removal: Can request account removal with proof
- 纪念设置：可提交申请，需提供死亡证明
- 账户移除：提供证明后可申请删除
Twitter/X
Twitter/X
- Deactivation: Family can request with death certificate
- No memorialization: Account either stays or goes
- 账户停用：家属可凭死亡证明申请
- 无纪念功能：账户要么保留要么删除
- Memorialization: Family can request, becomes memorial page
- Removal: Also available upon request
- 纪念设置：家属可申请，转为纪念页面
- 账户移除：提供证明后也可申请
Google/YouTube
Google/YouTube
- Inactive Account Manager: Best option, proactive setup
- Posthumous: Family can request access/deletion with documentation
- 闲置账户管理器：最佳选择，需提前设置
- 身故后处理：家属可凭证明申请访问/删除
Photo Preservation Strategy
照片留存策略
Photos are often the most emotionally important digital assets:
照片通常是情感价值最高的数字资产：
Consolidation Checklist
整合清单
- iPhone photos → where backed up? (iCloud, Google, both?)
- Android photos → Google Photos? Local?
- Old phones → transferred or sitting in drawer?
- Camera SD cards → backed up?
- Facebook/Instagram → downloaded?
- Cloud services → which ones have photos?
- External drives → where located?
- Computer folders → documented?
- iPhone照片 → 备份到哪里？（iCloud、Google云，还是两者都有？）
- Android照片 → Google Photos？本地存储？
- 旧手机 → 已转移数据还是放在抽屉里？
- 相机SD卡 → 已备份？
- Facebook/Instagram → 已下载存档？
- 云服务 → 哪些平台存放了照片？
- 外接硬盘 → 位置在哪里？
- 电脑文件夹 → 已记录位置？
Preservation Actions
留存操作
- Consolidate to one primary location
- Backup to secondary location (3-2-1 rule: 3 copies, 2 media types, 1 offsite)
- Document where everything is
- Share access with trusted person now
- Label important folders ("Wedding 2019", "Kids Baby Photos")
- 整合到一个主存储位置
- 备份到次要位置（遵循3-2-1原则：3份副本、2种存储介质、1份异地备份）
- 记录所有存储位置
- 共享访问权限给信任的人
- 标注重要文件夹（如“2019年婚礼”、“孩子的婴儿照”）
Annual Review Checklist
年度复查清单
Digital estates change. Review annually:
- New accounts added? Document them.
- Passwords changed? Password manager updated?
- New devices? Access documented?
- Trusted contacts still appropriate?
- Cryptocurrency holdings changed?
- New subscriptions to add to cancel list?
- Digital executor still appropriate and informed?
数字资产会变化，建议每年复查：
- 是否新增了账户？请记录
- 是否修改了密码？请更新密码管理器
- 是否新增了设备？请记录访问方式
- 信任的联系人是否仍合适？
- 加密货币持有情况是否有变化？
- 是否新增了需加入取消列表的订阅服务？
- 数字遗产执行人是否仍合适且了解相关信息？
Anti-Patterns
常见误区
❌ Storing master password digitally unencrypted
❌ Telling no one about the plan
❌ Assuming family can "figure it out"
❌ Putting seed phrases in cloud storage
❌ Not testing the access methods
❌ Forgetting about old accounts
❌ 未加密就将主密码存储在数字设备中
❌ 未告知任何人你的规划
❌ 假设家人能“自行搞定”
❌ 将助记词存放在云存储中
❌ 未测试访问方式
❌ 忘记记录旧账户
Integration with Other Skills
与其他工具的整合
- grief-companion: Emotional support alongside practical planning
- pet-memorial-creator: Digital memorials for pets
- career-biographer: Preserving professional legacy
- panic-room-finder: Finding secure physical storage locations
- grief-companion：在实际规划之外提供情感支持
- pet-memorial-creator：为宠物创建数字纪念页面
- career-biographer：留存职业遗产
- panic-room-finder：寻找安全的物理存储位置
The Gift
这份礼物
Digital estate planning isn't morbid—it's a gift to those who love you. When they're grieving, they won't have to guess passwords, hunt for accounts, or lose precious photos. You've made the hardest time a little bit easier.
That's love in practical form.
数字遗产规划并非晦气之事——它是给你所爱之人的礼物。当他们沉浸在悲痛中时，无需猜测密码、搜寻账户或丢失珍贵照片。你让最艰难的时刻变得稍微容易了一些。
这就是最务实的爱。