Do you use the extra layer of security by using 2FA (2 Factor Authorization) on your accounts? Some of them? All of them that use it? None because it's a pain in the ass?
I've been securing more of my accounts with 2FA just because of all the identity theft BS that goes on. Started using it more since the latest T-Mobile breach of personal information even though T-Mobile assures me that no sensitive info was compromised. It's definitely a pain in the ass because if you left your phone in another room or something when trying to sign on to something using a PC then you need to go fetch it before you can go any farther. But for banking and credit type accounts, I think it's worth it.
I prefer to use the authenticator app (my password manager that I use, LastPass, has an authenticator app and that's the one I use) way of doing it, but the text message is okay too. The worst one is having to have it send by email if they don't use either of the other two methods because those always seem to lag.