Damn I suck at both of these things… I guess I’m screwed 😭

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Just get strapped and it wont matter

I believe in you. It's easier than you think, since most hacks target low hanging fruit. You'll be way safer than most people if you adopt the 3 things I listed in my last post: VPN, password manager, and 2FA that's not SMS or email based. Then if you want more, Mitnick's The Art of Invisibility is a great read on the subject, though you likely won't need to do 90% of the measure he details. I don't.

My recommendations as things I've personally used:

NordVPN

1password (for both passwords and 2FA codes)

Firefox with uBlock Origin and Privacy Badge

Proton Mail - encrypted email

Mega - encrypted cloud storage

Proton mail is fed owned

Nord vpn is fed owned

Use tutanota

Use mullvadvpn (buy with crypto)