Part 2: MFA Isn’t Just for Work – The Case for Multi-Factor Everywhere

Still relying on just a password to protect your accounts? That’s like locking your front door and leaving the key under the welcome mat. It might keep honest people out—but it won’t stop someone determined to get in.

Multi-factor authentication (MFA) adds that second lock. It’s one of the simplest and most powerful ways to stop unauthorized access—yet most people only use it at work (if at all).

What Is MFA, Really?

• Something you know (like a password)
• Something you have (like a phone or hardware token)
• Something you are (like a fingerprint or face scan)

Even if your password leaks, an attacker still can’t log in without that second factor.

Text Message MFA Isn’t Good Enough

• SIM swapping attacks can reroute your texts
• Messages can be intercepted or delayed
• No encryption = no privacy

Better alternatives:

• Authenticator apps like Microsoft Authenticator, Google Authenticator, or Authy
• Hardware security keys like YubiKey or Titan Key
• Built-in biometrics (Face ID, Windows Hello, etc.)

Where to Turn On MFA (And Why You Should)

• Email – It’s your password reset gateway
• Banking – Stop account theft
• Social media – Prevent impersonation
• Cloud storage – Secure your files
• Online shopping – Stop fraudulent orders

But What If I Lose My Phone?

• Backup codes stored in a safe place
• Multiple devices registered
• Backup login methods (e.g., hardware key)

Test your recovery options now—not later.

Start Here: Your MFA Checklist

• Enable MFA on key accounts
• Replace SMS MFA with apps or hardware
• Securely store backup codes
• Add recovery options
• Share the importance with others

Download the MFA Comparison Chart and Quick Setup Guide to choose the right protection for every account.

Coming Up Next: Who’s Got the Keys?

In Part 3, we’ll talk about managing access in small businesses—without making a mess.