Family Vault

The documents you will not be able to find at 2am.

Insurance policy numbers. The deed. Account recovery codes. Who to call about the mortgage. In a bad week these are the things nobody can locate, and the search happens on the worst day of the year.

Read this before you put anything in. The vault is encrypted with a passphrase you choose. That passphrase is never stored, never sent anywhere, and cannot be reset by anyone including me. If you lose it, the contents are gone permanently. That is not a flaw, it is the entire point, and it is the reason to write the passphrase on paper and keep the paper somewhere physical.

How it is protected

Everything you save is wrapped three times, in three different ciphers, each with its own key. From the inside out: AES-256-GCM, then ChaCha20-Poly1305, then AES-256-CTR sealed with an HMAC-SHA512 tag that is checked before a single byte is decrypted. The three keys come from your passphrase through PBKDF2-HMAC-SHA512 at six hundred thousand iterations, then split apart so no layer shares a key with another.

The honest limits, stated plainly because a security product that oversells itself is worse than one that says nothing. Three layers do not rescue a weak passphrase, so pick a long one. This runs entirely in your browser on your device, which means it protects the stored file, not a device someone else already controls. There is no server, no account, and no copy of anything anywhere but here.

What to put in it, in order

Most people stall because they try to do all of it at once. This is the order that gets a usable vault in an evening.

  1. Identity. Birth certificates, passports, social security cards. Not the numbers alone, a photo of the document and a line saying which drawer the original is in.
  2. Who to call. The mortgage servicer, the insurance claims line, the bank fraud line, your doctor. Numbers you looked up yourself, not numbers from an email.
  3. Recovery codes. The one-time backup codes for your email and your bank. These are the keys to everything else and most people leave them in a downloads folder.
  4. Insurance and property. Policy numbers, the deed, the title, the survey.
  5. Receipts and warranties. The boring one that pays for itself the first time you make a claim.
  6. Medical and legal. Prescriptions, allergies, the power of attorney, the will and where the signed original is.

Digital and physical should mirror each other. One encrypted vault on your device, one labelled folder in a fireproof box, and an index that tells each one where the other half is. Sources for the practice behind this: Ready.gov on financial preparedness and CISA Secure Our World.