Learn About Password Safety Best Practices

Understanding Password Basics and Why They Matter

A password is a secret combination of characters—letters, numbers, and symbols—that you create to protect your accounts and personal information. Think of it like a key to your digital front door. When you log into email, social media, banking websites, or online shopping sites, you're using a password to verify that you're really you and not someone pretending to be you.

Free Guide to Finding Apartments With Utilities Included →

Passwords protect more than just your convenience. According to the 2023 Verizon Data Breach Investigations Report, compromised credentials (usernames and passwords) were involved in 49% of data breaches. When someone gains access to your password, they can read your private messages, steal your money, make purchases in your name, or even use your account to impersonate you to others. The damage from a single compromised password can take months or years to undo.

Your passwords are often the only thing standing between a criminal and your most sensitive information. Banks, email providers, and social media platforms use sophisticated security systems, but those systems depend partly on you creating and protecting a strong password. A weak password can be guessed or cracked in seconds using automated tools. A strong password, on the other hand, creates a barrier that's not worth a criminal's time to break through.

Different accounts deserve different levels of attention. Your email password is especially critical because email is usually the "master key" to other accounts—if someone gets your email password, they can reset passwords on your bank account, social media, and shopping sites. Your banking and financial account passwords are also top priority because money is directly at stake.

Practical Takeaway: Start by identifying which accounts matter most to you. List your top five accounts (email, banking, work, important personal accounts). These are the ones where password strength and security matter most.

Creating Strong Passwords That Are Hard to Crack

A strong password is one that combines multiple types of characters and avoids predictable patterns. The National Institute of Standards and Technology (NIST) provides guidance on password creation. A strong password typically includes uppercase letters, lowercase letters, numbers, and special symbols like !@#$%^&*. Length is also critical—longer passwords are exponentially harder to crack. A 12-character password is significantly more secure than an 8-character password, even if both use a mix of character types.

Free Guide to Autism Training Supplies and Resources →

Avoid common password mistakes that make cracking easier. Don't use sequences like "123456," "abcdefg," or "qwerty"—these are among the first things password-cracking tools try. Don't use dictionary words by themselves, like "password," "football," or "sunshine." Don't use personal information that others might know or find out about you, such as your birth year, pet's name, spouse's name, or hometown. Hackers often research targets online and find this information on social media or public records.

One effective method for creating strong passwords is the passphrase approach. Instead of a single word with substitutions, use a sentence you can remember. For example, "MyDogAte7RedCrayons!" is much longer than a typical password, mixes character types, and is easier to remember than a random string like "Kx9$mP2!qL". You can make it even more personal by using an event only you would remember, then adding numbers and symbols.

Here are examples of weak versus strong passwords:

• Weak: "password" (dictionary word), "john1990" (personal info + year), "12345678" (sequence)
• Weak: "qwerty123" (keyboard pattern), "abc123abc" (simple pattern), "Summer2023" (season + year)
• Strong: "BlueMoon$Bicycle7" (mix of words, numbers, capital letters, symbol—16 characters)
• Strong: "ILove!Coffee@6am" (passphrase with symbols—17 characters)
• Strong: "Tr0pical#Fish&Jazz" (mixed character types with special symbols—19 characters)

Practical Takeaway: Create a test password right now using the passphrase method. Think of a memorable sentence, capitalize some letters, add a number or two, and include at least one special symbol. Write it down in a secure location (explained in the next section) so you don't forget it.

Storing Passwords Safely Without Forgetting Them

The challenge with strong, unique passwords is that they're hard to remember. Many people try to solve this by using the same password across multiple sites or by writing passwords on sticky notes. Both approaches create serious security risks. If one site is breached, criminals now have the password to all your accounts. Sticky notes on your monitor can be seen by anyone walking by your desk.

Learn About Mission Lane Credit Card Pre-Approval →

A password manager is a specialized tool designed to solve this problem. Password managers like Bitwarden, 1Password, LastPass, and Dashlane store your passwords in an encrypted vault. You only need to remember one master password—the strong password that unlocks the vault. The password manager stores all your other passwords and automatically fills them in when you visit a website. According to a 2023 study by the Identity Theft Resource Center, people who use password managers are significantly less likely to reuse passwords across accounts.

When choosing a password manager, look for these features: end-to-end encryption (meaning even the company can't read your passwords), the ability to generate strong random passwords, automatic form-filling, and the option to access your passwords on multiple devices. Most password managers offer free versions with basic features and paid versions with additional options like family sharing or advanced security monitoring.

If you can't use a password manager, storing passwords in a secure physical location is better than reusing the same password. Keep a notebook with your passwords in a locked drawer, safe, or other secure place that only you can access. Some people create a coded system—for example, you might write down partial passwords or use a personal substitution system that only you understand. This is less secure than a password manager but more secure than reusing passwords everywhere.

Never store passwords in plain text files on your computer or in email messages to yourself. A hacker who gains access to your computer or email account would see all your passwords immediately.

Practical Takeaway: Research password manager options that fit your budget (many are free). Download one and set it up with a strong master password this week. Start storing your most important passwords in it, beginning with your email account.

Using Unique Passwords Across Different Accounts

One of the most important password rules is never reusing the same password across multiple sites. When one website experiences a data breach, criminals gain a password and username. They then try that same username and password on hundreds of other sites. This is called credential stuffing. If you used the same password on your email, banking site, social media, and shopping site, the criminal now has access to all four accounts. If each account has a unique password, only one account is compromised.

Free Guide to Understanding Oral Thrush Treatment Options →

In 2023, the FBI reported that credentials from data breaches are sold on the dark web and used to compromise millions of additional accounts. A single breach can lead to a chain reaction of unauthorized access. For example, someone might breach a small online retailer, get your email and password, use that password to access your email account, then use your email to reset passwords on more important accounts like banking or investment apps.

You don't need to create completely random passwords for every account. You could use variations on a base password that you remember, plus a unique identifier for each site. For instance, if your base is "BlueMoon$Bicycle7," you might use "BlueMoon$Bicycle7-Amazon" for Amazon, "BlueMoon$Bicycle7-Bank" for your bank, and "BlueMoon$Bicycle7-Gmail" for Gmail. Each password is strong, each is unique to the account, but you can remember the pattern.

However, this method requires discipline to avoid shortcuts. Many people find that a password manager handles this better because it removes the temptation to reuse or simplify. The password manager creates and remembers a completely unique, random password for each site, which is the most secure approach.

Prioritize unique passwords for your most important accounts: email (since it can unlock other accounts), banking and financial accounts, and any account