Plan for the Unthinkable
While it may make you uncomfortable, show your spouse and your adult children where you keep financial records, files, etc. If you are incapacitated or pass away, your loved ones need access to that information. Keep financial statements in one place: Insurance policies, property titles, retirement plan information, estate planning documents, etc. Keep every piece of information relating to your assets and obligations organized and easy to access.
If the worst does happen, leaving your loved ones organized and informed could be the best investment you make.