Keep personal accounts separate, and design emergency access for shared ones before you need it.
It's tempting to think marriage means merging email and messenger passwords, but the safer approach runs the other way. Keep personal accounts under individual control, and separate out only the logins you genuinely share β internet, utilities, subscriptions β into a dedicated joint vault. Layer on recovery tools for the unexpected β a lost phone, a long hospital stay, a death β and you cut the risky habit of writing passwords on sticky notes or texting them to each other.
The ten tools below fall into three groups: tools for safely sharing joint logins, tools for securing logins themselves, and access mechanisms that only activate in an emergency. Rather than adopting all ten at once, pick one or two that fit your situation, try them for a month, and expand from there.
