Estate planning isn’t just for retirees anymore. If you live in Nebraska and use Venmo, Cash App, crypto, Robinhood, or online banking, you already have an estate—and those digital accounts can be locked forever if something happens to you. This guide breaks down how Nebraska law treats your digital assets, why partners get nothing without a will, and the simple steps millennials and Gen Z can take to protect their money, passwords, and online life.

Most Nebraskans don’t realize how much of their wealth now lives inside apps—crypto wallets, Robinhood, Venmo, Stripe, and even the password managers that control them. These tools work well while you’re alive, but they can turn into sealed vaults the moment you die. Nebraska’s RUFADAA law gives your Personal Representative (Executor) a path to access these accounts, but only if your estate plan explicitly grants that authority. Without it, even $50,000–$100,000 sitting in an app can get locked away for good. This guide breaks down the five types of apps most likely to trap your money and explains how a Digital Access Plan can protect your family from a long, expensive probate.