Ours is complicated since we're retired and have to make our own paycheck, don't get anything in the mail (haven't signed up for Social Security yet) and I'm learning my husband's system so if something happens to him I'll have a clue. I was very anxious about it all and made him write me a "book" last year so I'd have something to follow if he were to get really sick or die, etc. but I didn't read the paper and finally got angry at myself enough to get me to volunteer to actually do the books for a couple months so I'd see what was where and how it all worked. It's still scary but it's getting a little less so as I work at it.