Not sure if this is the right place to ask, but here goes:
My spouse and I have 20-ish or so accounts (retirement, investment, banks, insurances, tax, etc.) where I would we both would like to have full access. Should something happen to one of us, the other needs to be able to access all the key resources and be able to conduct business as needed (without some major legal wrangling).
Many of these accounts these days have two factor authorization, secret questions (which are often silly and unanswerable), and/or rotating passwords with different set of password rules. They often don't offer an option for joint account ownership.
We used to just share account link, user name and password (encrypted). But that doesn't work anymore, because two-factor authentication and frequent password updates.
How do we do this in a way that's reasonably easy and safe?