Simple ways to strengthen your passwords

Read time: 3 minutes

If your notebook of passwords for online accounts is starting to look like a novel, you’re not alone. 73% of adults age 50+ say they feel overwhelmed trying to manage them all. That’s why it’s tempting to pick something quick like “123456” or “password,” or your birthday or anniversary. But the same shortcut that helps you log in faster can help hackers get access to your accounts.

Cybercriminals often target older adults because they are the least likely of any age demographic to regularly reset or update their passwords. And the threat is real: The FBI reports that more than 147,000 older Americans were victims of cyberfraud in 2024.

The stakes are higher these days to protect your identity online, but it doesn’t have to be stressful. Here are a few ways to make your passwords safer and easier to remember.

Common password mistakes

The first mistake many people make is using the same password across accounts and platforms. However, if it’s convenient for you, that means it’s convenient for hackers, too. So, try to vary your passwords so cybercriminals don’t have access to all your accounts.

Prefer to jot things down in a notebook or sticky pad? It’s not uncommon. 63% of adults 65 and older write their passwords down — more than any other age group. But notebooks can disappear, and sticky notes can end up where others can see them. All it takes is one person finding that list to unlock what you’ve worked to protect.

Three easy fixes that make a big difference

The good news is, keeping your accounts safe doesn’t have to be complicated. A few small changes can go a long way.

First, start with your passwords. The longer and more complex they are, the stronger they become. Try using a short phrase instead of a single word — something like SunnyDayAtTheLake0622 or GrandkidsLoveCookies! is both easy to remember and hard for hackers to guess.

Tip: Use something personal to you, like a unique memory or joke. Humor actually helps us remember things! Bonus points if it wouldn’t make any sense at all to someone else.

Second, mix things up. Use a different password for each account, so if one gets hacked, the others stay protected. It may take a little extra effort at first, but it’s worth it for the peace of mind.

And third, whenever a site offers it, turn on two-step verification. This process is when you enter a code sent to your phone or email after logging in. It’s like adding a second lock on your front door, giving your accounts an extra layer of protection.

Technology’s answer to the password notebook

If remembering all your passwords still feels like too much, consider using an online password manager.

Password managers keep all your passwords in one secure place, protected by a single master password that only you know. It remembers and fills in your passwords automatically, so you don’t have to keep typing or writing them down.

Most devices and browsers, like Apple, Google and Microsoft, already include built-in password managers. You could also try trusted standalone password managers.

These platforms work by using encryption (a kind of digital lock) to protect your information. They can even suggest stronger, unique passwords for each account, saving you some legwork.

Trying a password manager can be a small but productive step toward feeling more protected online. Once you do, you might even find it simpler than keeping that growing notebook on your desk.

The internet is part of everyday life now, and you deserve to feel confident using it. With a little care and adopting a few smart habits, you can keep your information and your peace of mind secure.