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Make sure each of your accounts has a separate, unique password. Can't remember all of your passwords/passphrases? Consider using a password manager to securely store all of them for you.
Eventually, we all have an accident or get hacked. And when we do, backups are often the only way to recover. Backups are cheap and easy; make sure you are backing up all of your personal information (such as family photos) on a regular basis.