A strong password is a great start, but it’s not enough. Hackers can waltz into your accounts if your password gets leaked in a data breach (and odds are, at least one of yours already has). That’s where Multi-Factor Authentication (MFA) comes in.

What is MFA and How Does It Work?

MFA adds an extra step when you log in—something beyond just your password. This could be:

• A one-time code from an authenticator app
• A security key you plug into your device
• Biometric authentication, like a fingerprint or facial recognition

Even if a hacker steals your password, they can’t get in without this second factor.

Why SMS Authentication Isn’t Ideal

A lot of sites offer MFA via text message, where they send you a one-time code. While this is absolutely better than nothing, it’s not secure:

• SIM swapping – Attackers can hijack your phone number by tricking your carrier.
• Intercepted messages – SMS can be intercepted or exposed in a breach.

The Best MFA Methods

For the best security, use one of these instead:

• Authenticator Apps (Best for Most People)—Apps like Authy or Google Authenticator generate one-time codes that refresh every 30 seconds. There is no risk of SIM swapping. Best of all, the app is free for individual users and has an excellent privacy policy.
• Hardware Security Keys (Most Secure)—Devices like YubiKey or Google Titan provide physical authentication. There are no codes or phishing risks—just tap and log in.
• Passkeys (Up-and-Coming) – Some services now support passkeys, which use your fingerprint or face scan for seamless, secure logins.

Take Action Today

Start with your essential accounts (email, bank, social media) and turn on MFA. While you’re at it, ensure your information is up to date. Don’t wait until you’re hacked—secure your accounts today.

Receipts:

https://www.pcmag.com/picks/the-best-authenticator-apps

https://labs.jumpsec.com/ranking-mfa-methods-from-least-to-most-secure

https://fbijohn.com/hardware-security-keys

https://www.nytimes.com/wirecutter/reviews/best-security-keys