<prompt> Human: Im living overseas alone in Japan and my family are in Australia. In the last year, I heard a story about another ex-pat in Japan who suddenly died, leaving his family scrambling for money to fly to Japan, pay for his autopsy, and get him home.It made me think that I should have an emergency fund that my family could access in case something happened to me in Japan. But Im not sure where to put it. Cash under the mattress is out of the question. I do happen to have a spare ATM card that Im happy to give them, but if I died suddenly and they withdrew cash from my account, would that get them into trouble? My will says everything will go to them anyway.  <response>: Set up a joint savings account with someone you trust to not just spend the money. 