The Wall Street Journal: Stop ignoring—and start using—this security setting

“Two-factor authentication.” It’s an ugly term for something that needs to be in your daily life.

But you also need to know its limitations.

First, though, let’s start with something more basic: What is two-factor authentication? It’s where you log into a website or app and, once you type in your password, you’re prompted to do something else, like enter a six-digit code or tap a pop-up on your phone.

With two-factor, hackers need both your password and access to your phone or other “second factor” to break in. If you regularly log into Facebook, FB, -4.50% Gmail, banking and other accounts with just a password, you have a security hole.

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