The threats you'll actually face
- Phishing — fake login pages and urgent-sounding messages to steal credentials.
- Credential stuffing — attackers reusing leaked passwords from other breaches.
- Malware — software installed via downloads, attachments, or browser exploits.
- Ransomware — malware that encrypts files and demands payment.
- Social engineering — manipulating people, not systems. The hardest to defend against.
High-impact defenses
- Use a password manager. Unique, long, random passwords per site. Non-negotiable.
- Enable MFA everywhere. Prefer authenticator apps or hardware keys over SMS.
- Keep software updated. Most exploits target vulnerabilities that already have patches.
- Back up regularly, including at least one offline copy ransomware can't reach.
- Slow down on email. The majority of breaches start with a hurried click on a phishing link.
MFA: which method is actually best
From strongest to weakest: hardware security keys (FIDO2/WebAuthn) → authenticator apps (TOTP) → push notifications → SMS codes. SMS is better than nothing but vulnerable to SIM-swap attacks. For high-value accounts (email, banking, work admin), use a hardware key.
Password manager strategy
The master password should be a long passphrase you can remember but no one can guess — at least 4 random words. Protect the manager itself with MFA. Store backup codes for the manager in a physical safe. Audit weak and reused passwords periodically using the manager's built-in tools.
Small business security essentials
- Enforce SSO with MFA for every business app.
- Use a password manager with team sharing rather than spreadsheets or Slack DMs.
- Filter inbound email aggressively and train staff on phishing recognition.
- Patch endpoints automatically; don't rely on users to do it.
- Maintain a recovery plan: backups, incident-response steps, and contacts ready before you need them.