As you know, I spend much of my life online. All of us do. It’s hard to believe I’ve been living online for over 20 years. And the more time that we spend online, the more advanced bad actors become. Because of that, we have to have secure passwords, pass phrases, or passkeys. But wait, there’s more. You also need to have two-factor authentication set up for all of your logins, too. Plus, some websites or apps also require verification codes. Now, it’s not enough to have just two steps; there has to be a third step. And experts tell us that’s still not enough. And you’d better keep your phone handy…

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