There are 4 ways a user can toughen up their critical passwords. 1) Get a good password manager. The best passwords are long strings of letters, numbers, and symbols that can’t be remembered. 2) Perform a password audit. Import all existing passwords into a password manager. 3) Search your email. Do a simple search for “password” and delete all the results. 4) Wall off critical accounts. The bank, email, online investing, cell phone, Internet service, and data storage accounts are critical. Take extra steps to protect these.