Max Eddy writes: “It’s a nightmare scenario: You’ve protected all of your online accounts with two-factor authentication (2FA), but then your phone is broken, lost, or stolen, and you’re locked out of everything. Past You’s effort to protect Future You has made Present You’s life a living hell. 2FA is supposed to keep attackers and scammers out of your online accounts, but what if something happens to your second factor? With a little planning, you can reduce that risk and still keep your accounts safe.”