KulDhan: Protect Family Wealth

Keeping track of everything a family owns is a job nobody trained you for — whether you're a flight away or just a phone call away. The property tax was due last month. The tenant's rent hasn't landed. Your father mentioned an insurance policy, but not which one — and the papers could be in the bank locker, at the Mumbai house, or still with your parents. The shop, the office, the farming land back in the village — each with its own dues, its own paperwork, its own person who's "handling it." Someone has the spare key — you just can't remember who. And every one of those threads lives in a different WhatsApp chat, or in your head. Ask yourself one question: if you weren't reachable tomorrow, would your spouse know everything your family owns — every property, every policy, every account — and where the papers are? For most families, the honest answer is no. A lifetime of earnings,…