Password Managers Recycling one password across accounts means a single breach opens all of them. A manager trades that problem for one very good master key — a real trade, and worth understanding before you make it.
Password Cards A password you carry in your wallet, written down in plain sight, and still useless to whoever picks it up. The card is random; the route you take through it is the part you memorize.
Signal Messenger Settings Signal out of the box is good, not hardened. The gap is a short list of settings, starting with the one that stops someone porting your number and walking off with your account.
Multi-Factor Authentication A leaked password stops being an emergency the moment something else stands behind it. The real decision is whether that second factor lives on the phone in your pocket or on a key next to it.