Do you have multiple signatories on your bank accounts?
In most situations, it pays to do so.
I came across a story recently where somebody did not. Unfortunately, they died and their spouse ended up in a terrible situation of not being able to access their money without jumping through all types of legal hoops.
In the event of death, or even serious illness or incapacity, things can be made much worse as a result of not having multiple signatories on an account
If you haven’t done so already, this is an matter worth considering.