The first step towards securing your digital interactions is to use strong passwords. The strongest password is longest string of random characters allowed by the service you're authenticating against. So if your bank allows 6-28 character passwords, craft a 28 character password. The chances of success for brute-force password attacks drops by a significant factor each time a character is added to your password length. Random characters is also best because any word, phrase, name, important date, or other identifying information will be tried first by the attacker.
Say someone does find out your password: if you also use that password at another website, they have easy access there, too! Using a different password for every site is best practice. If possible, also use a different username for each site. Some sites use your email address as your username; Google's Gmail has a neat feature that allows you to append the plus sign (+) to your username to create an email alias. So you+me@gmail.com will deliver to you@gmail.com, and two+four@gmail.com will send to two@gmail.com. If you have a Gmail account, we highly recommend this extra precaution.Of course, managing all of this information is tedious. So we recommend using a password service such as 1Password or LastPass to automate, synchronize, and monitor your passwords for you.
The level of security you apply to your digital interactions should be directly proportionate to how terrible it would be if someone had malicious access to your account.