Reusing the same password across multiple accounts is one of the riskiest habits in cybersecurity, because a breach at one website (even an unrelated one) can let attackers use 'credential stuffing' to break into your other accounts with the same login. A password manager generates and stores a unique, complex password for every account, so you only need to remember one master password, dramatically reducing your risk without requiring you to memorize dozens of logins. Multi-factor authentication (MFA) adds a second verification step — typically a code from an app or a biometric scan — so that even if a password is stolen, an attacker still cannot access the account. Long passphrases (several random unrelated words) are often both stronger and easier to remember than short, complex-looking passwords.