Digital Legacy Planner Skill

Everyone now dies twice — once in the world and once across forty accounts, and the second death is unplanned in almost every family. The photos are in a cloud account nobody can enter, the subscriptions keep billing, and the email that could reset everything is locked behind the very 2FA that made it safe. This skill plans it while it's easy: inventory by importance, legitimate access routes (platform legacy tools and password-manager emergency access — not "here's my password on a sticky note," which is both fragile and often violates terms or law), and the wishes written where they'll be found.

What This Skill Produces

• The tiered inventory — accounts by consequence: the keys (email, phone, password manager), the money, the memories, the long tail
• The access plan — platform legacy settings + password-manager emergency access, configured; the sticky-note anti-pattern replaced
• The wishes document — memorialize / delete / preserve / hand-to, per account-that-matters, plus the message-to-family
• The executor's digital checklist — for the other direction: someone died, here's the order of operations

Required Inputs

Ask for these if not provided:

• Which direction — planning your own (the calm version) or handling someone else's (the checklist version, cross-linked with estate-settlement-organizer)
• The digital footprint, roughly — main email provider, phone platform, password manager (or its absence — fixing that is step one), where the photos live, anything monetized (channel, store, domains, crypto — the last needs special handling and its absence from this plan is a finding)
• The people — who should get access, who should decide, and whether those are the same person

Framework: The Legitimacy-First Rules