Seniors

Plant your flag on all important accounts.
That is create your account in all the most important places before a malicious actor creates it for you and forever (or at least an inordinately long time) locks you out of being able to do so.
Never re-use passwords.
Use at least a 12-character complex password including upper-case, lower-case, digits, and 'special' characters such as punctuation marks.
Enable multifactor authentication (SMS or emailed secondary passwords at minimum)
NEVER give out your secondary password to ANYONE.
Change your password at least annually.