Skip to main content

The one and only password tip you need. Almost everything we told you about passwords was wrong!

Posted: by
https://www.malwarebytes.com/blog   

OK, it’s time for me to keep a promise.

Back in October 2022, I wrote an article called Why (almost) everything we told you about passwords was wrong. The article summarizes how a lot of what you’ve been told about passwords over the years was either wrong (change your passwords as often as your underwear), misguided (choose long, complicated passwords), or counterproductive (don’t reuse passwords).

Most damningly of all, the vast effort involved in dispensing this advice over decades has generated little discernible improvement in people’s password choices. If it hasn’t quite been a wasted effort, it has certainly represented a galactically inefficient use of resources.

We know that this advice isn’t what it’s cracked up to be thanks to intrepid researchers, such as the folks Microsoft Research, who made it their business to discover what actually makes a difference to password security in the real world, and what doesn’t.

If you want the full, three-course meal version of why all the password advice you've been told stacks up to much less than the sum of its parts you can read the original article. Here's the snack version:

How strong, long, and complicated your password is almost never matters in the real world. The most common type of password attack is credential stuffing, which uses passwords stolen in data breaches. It works because it's so common for people to reuse the same password in two places and it is completely unaffected by password strength. The next most common attack is password spraying, where criminals use short lists of very simple passwords on as many computers as possible. In both situations a laughably simple but unique password is good enough to defeat the attack.

There are rare types of attack—offline password guessing—where a strong password might help, but the trade-off is that strong passwords are far harder for people to remember, which leads them to use the same password for everything, which makes them much more vulnerable to credential stuffing. Notebooks are a really good, simple solution to the password reuse problem, but for years people were ridiculed for using them. Password managers are also a good solution but they are much harder to use than notebooks and a majority of people don't use them, and don't trust them, despite years of positive press and advocacy.

OK, back to the promise I mentioned.

As somebody who has done his fair share of dispensing this kind of advice, I ended my Why (almost) everything we told you about passwords was wrong article with a mea culpa in the form of a promise. Never again would I dish out laundry lists of things you should do to your password. I would instead focus my energy on getting you to do one thing that really can transform your password security, which is using Two-Factor Authentication (2FA):

So, from now on, my password advice is this: If you have time and energy to spare, find somewhere you’re not using 2FA and set it up. If you do I promise never to nag you about how weak your passwords are or how often you reuse them ever again.

Well, today is World Password Day, and it’s time to make good on that promise. I was asked to write a list of password tips, so here they are:

  • Set up 2FA somewhere.

To explain why I’m all-in for 2FA I can’t do any better than quote Microsoft’s Alex Weinert from his 2019 article, Your Pa$$word doesn’t matter. (He calls it MFA but he means the same thing, I’ll explain why lower down).

Based on our studies, your account is more than 99.9% less likely to be compromised if you use MFA.

Yes, he wrote 99.9%, and he wasn’t exaggerating. 2FA defeats credential stuffing, password spraying, AND password reuse, AND a bunch of other attacks.

Even if you don't know what 2FA is, you've probably used it. If you’ve ever typed in a code from an email, text message or an app alongside your password you’ve used 2FA.

In the real world, 2FA just means “do two different things to prove it’s you when you log in”. One of those things is almost always typing a password. The other thing is often typing a six-digit code you get from your phone, but it might also be responding to a notification on your phone or plugging in a hardware key (a small plastic dongle that plugs into a USB port and does some fancy cryptographic proving-its-you behind the scenes).

2FA is very widely supported and any popular website or app you use is likely to offer it. In an ideal world those sites and apps would take responsibility for your security and just make 2FA a mandatory part of their account setup process. Unfortunately, we don’t live in an ideal world, and the tech giants that know better than anyone else how much 2FA can protect you have left it for you to decide if you need it.

To make your life a little harder still, they also give it different names. You’ve already met MFA, which means multi-factor authentication, while Google, WhatsApp, Dropbox, Microsoft, and others brand their version of 2FA with a slightly altered name: two-step verification (2SV).

If you have a choice, the best form of 2FA is a password and hardware key, but you’ll need to buy a hardware key. They are worth the small investment and not nearly as intimidating as they can seem.

If you aren’t ready for that, the next best form of 2FA uses an app that prompts you with a notification on your phone. The next best after that is 2FA which uses a code from an app on your phone, and the least good version of 2FA uses a code sent over SMS.

However, don't let anyone tell you any form of 2FA is "bad." It's all relative. Adopt any one of them and you can safely ignore the rest of the password advice you were probably ignoring already.

To help you get started, here are links to the 2FA setup instructions for the five most visited websites:

Comments

Popular posts from this blog

Hurricane Knocked The Power Out? New Orleans Firemen’s FCU Is Ready.

  Hurricane Knocked The Power Out? New Orleans Firemen’s FCU Is Ready. The next big storm in the Gulf isn’t an “if,” it’s a “when,” but the small Gulf-area credit union has a plan to help the community get back on its feet when the time comes. Aaron Passman This article is part of Callahan & Associates’ “ CDFI Grants In Action ,” a limited editorial series that showcases how credit unions leverage CDFI funding to advance their mission and deliver measurable impact for members. To learn how CDFI certification can change lives and unlock opportunities at your credit union, visit  CU Strategic Planning , A Callahan Company. When hurricanes rip through the Gulf, they leave behind disrupted lives and disconnected communities. In those moments, access matters as much as empathy. When disaster strikes,  The New Orleans Firemen’s Federal Credit Union   ($275.0M, Metarie, LA) is ready to roll with a mobile branch that brings back banking to the front line of recovery. The...

Sunday Reading - Lake Manly Returns

  Lake Manly Returns   An ancient lake has  reemerged in California's Death Valley National Park following record rainfall this year.  Between 128,000 and 186,000 years ago, meltwater from ice covering the Sierra Nevada fed rivers that emptied into Badwater Basin, North America’s lowest point at 282 feet below sea level. The steady flow sustained Lake Manly, nearly 100 miles long and roughly 600 feet deep. The lake disappeared as Death Valley evolved into the driest place in North America , with some areas receiving under two inches of rain annually. This year, however, the park received 2.41 inches between September and November, marking its wettest autumn on record and triggering the temporary return of a shorter, shallower Lake Manly.  Above-average rainfall periodically brings Lake Manly back, including in 2023 when Hurricane Hilary dumped 2.2 inches of rain on a single August day, allowing visi...

The US Senate makes major step towards recognizing firefighter cancers as line‑of‑duty deaths

   18 Dec 2025 The US Senate makes major step towards recognizing firefighter cancers as line‑of‑duty deaths en Fire Fighter´s Advocacy   Firefighter Cancer   Firefighter Unions   Firefighter's Health   Line of Duty Deaths The US senate  has passed the   Honoring Our Fallen Heroes Act , recognizing firefighter occupational cancers as line‑of‑duty deaths and extending federal benefits to families. This marks a shift in U.S. policy towards aligning with decades of advocacy by firefighter unions and survivors. According to a statement on IAFF.org,  the passing of the Act in the Senate is a "major step forward for the thousands of survivors who have been denied PSOB benefits after losing their loved one to cancer...  It now moves to the U.S. House of Representatives for consideration." According to IAFF.org, the Honor Act has strong bipartisan support in both chambers of Congress. A companion bill in the House ( H.R. 1269 ) currently has 152...

Sunday Reading - The gold standard, explained

  Gold Standard       The gold standard, explained A gold standard is a system where a country’s currency is pegged to, and can be converted into, a fixed amount of gold. It’s typically meant to create a sense of security in the country’s currency: When a government uses a gold standard , its currency can be exchanged for an equivalent amount of gold—although regulations around redemption vary by country.   After the Civil War, in 1873, America adopted the gold standard for the first time. At the time, if gold was priced at $100 an ounce, each dollar  rep...

Buy Now, Pay Later Keeps Gaining Ground: New Study Shows Growth Surge

03/10/2025 06:31 pm Share         TROY, Mich.— A new study reveals the appeal of buy now, pay later is not waning, as the service saw significant growth last year. The J.D. Power 2025 U.S. Buy Now Pay Later Satisfaction Study shows BNPL enjoyed continued, significant growth in the number of consumers using the product year over year, with the highest usage among consumers from Generations Y and Z, and the highest growth period during the holidays. “The BNPL segment has undoubtedly grown in popularity, with more customers using these services than ever before,” said Sean Gelles, senior director of banking and payments at J.D. Power. “That’s been especially true around seasonal periods of higher spending, such as the holidays. Card-based BNPL products continue to lead the charge on satisfaction, as issuers are leveraging their existing brand awareness and equity to retain would-be defectors.” Following are some of the key findings of the 2025 study: Gene...

Sunday reading - What's the story behind Thanksgiving?

What's the story behind Thanksgiving? While European settlers in North America had long observed days of thanks, prayer, and reflection, the “ first Thanksgiving ” most often refers to a 1621 meal between the Pilgrims and the native Wampanoag people.   In 1863, Abraham Lincoln declared a national Thanksgiving Day on the final Thursday of November to be celebrated each year. A large meal shared with loved ones is the centerpiece of most Thanksgiving celebrations, where the average gathering size is seven and most people consume 3,150-4,500 calories .   What began as a neighborly meal to celebrate a successful harvest has transformed into an annual economic and cultural powerhouse: The day before Thanksgiving is one of the busiest days of the year for air travel as Americans prepare to eat upward of 40 million turkeys  and 80 million pounds of cranberries. ... Read what else we  learned about the holiday here . ...

The Market Review

The Market Review Payroll Tax Cuts Extended, U.S. Data Mixed, ECB Steps Up SupportThe past week has seen moderate progress on several fronts. First, the EU markets were bolstered by a massive lending program from the ECB to over 500 banks. The banks borrowed €489 billion in 3-year loans at a rate of 1.00%.

How CU Economists are Responding to Latest Jobs Numbers

WASHINGTON–What many are calling the newest jobs report disappointing, it has some positives, according to economists with both CUNA and NAFCU. The federal government said that during September nonfarm payrolls rose by just 194,000 in the month, after many analysts had been saying they expected as many as 500,000 new jobs to be reported. According to the fed data, the topline number was hurt by a 123,000 decline in government payrolls, while private payrolls increased by 317,000. Dawit Kebede, CUNA Despite the weak jobs total, the Bureau of Labor Statistics reported wages were up sharply. The monthly gain of 0.6% pushed the year-over-year rise to 4.6% as companies use wage increases to combat the persistent labor shortage. ‘Still Reluctant to Travel’ “Following the Delta surge in August, various indicators started showing signs of improved economic activity,” noted CUNA Senior Economist Dawit Kebede. “The September jobs report is weaker than expected, but the good news is that whi...

Here’s What Consumers are Saying About Gift Cards, According to New Fiserv Study

BROOKFIELD, Wis.–Eighty percent of consumers say they enjoy receiving a gift card as a gift, and 68% of consumers will spend the full value of that gift card in three months or less, according to the 19th Annual Prepaid Consumer Insights Study from Fiserv. The study further found employers are increasingly using gift cards to reward their employees, and retailers are finding new ways to leverage gift cards in their incentives and rewards programs. According to Fiserv, five of the most interesting findings in the survey of more than 1,000 U.S. consumers include: ‘Satisfaction’ Abounds with Gift Cards 80% of consumers say they feel satisfied when they receive a gift card, so satisfied that consumers aren’t waiting long to spend them. 71% of consumers say that it takes one or two purchases to redeem the full value of a gift card; and 68% say it takes less than three months to fully redeem. Physical Cards Still Reign, But Digital is Growing While digital gift card spending is on the ri...

Trump Administration Declares CFPB Funding Illegal, Bureau’s Cash To Run Out By Early 2026

WASHINGTON—Credit-unions face a potential regulatory vacuum as the Trump Administration formally has determined the CFPB’s current self-funding mechanism unlawful—a move that could put the agency on a path to closure in early 2026 unless Congress steps in. For credit-union leaders, who rely on the Bureau’s oversight of consumer-finance markets and enforcement of unfair practices, the decision signals a major disruption to the regulatory environment CUs navigate daily. In a court filing released late Monday, the Administration declared that the CFPB is now legally barred from seeking additional funds from the Federal Reserve System—the agency’s usual funding source under the Dodd‑Frank Wall Street Reform and Consumer Protection Act, POLITICO reported. That means the Bureau’s remaining resources will likely carry it only through the end of the year, after which it “anticipates exhausting its currently available funds in early 2026.” CUToday.info has tracked this story, noting in  Oct...