Imagine somebody has to run your life from tomorrow morning, with no warning and no access to your phone. Not forever. Just for two weeks.
Most of what they would need is not secret and not complicated. It is simply undocumented, because it has always lived in one head, and it turns out that is a single point of failure.
The two week list
What somebody would actually hit in the first two weeks, in roughly the order they would hit it.
7 things to do
Ticks are for this visit only. Nothing here is saved anywhere.
Two weeks is the useful frame
Thinking about this as estate planning makes it enormous, and enormous things do not get done. Thinking about it as two weeks makes it a short list you can write in one sitting.
It is also the frame that covers the far more likely scenarios. Illness, an accident, being abroad and unreachable, or being in hospital for a week are all far more probable than the version everyone avoids thinking about, and the same list solves all of them.
The thing that blocks everything is the password manager
Almost every modern household has a single point of failure that nobody has tested: the recovery email, whose password is in the password manager, whose master password exists only in one person's memory.
You do not need to write the master password down. You need somebody to have recovery access, or a sealed copy somewhere trusted, and to know that mechanism exists. Otherwise everything else on your list is behind a door nobody can open.
Keep it findable, which means keep it dull
This document should be safe to leave in a drawer, which means it holds locations and references rather than credentials. Where the pension paperwork is, not the login for it.
A perfect record nobody can reach is the same as no record. The fuller version of what belongs in it is in the if something happens to me file.