The 2FA Trap (SMS vs. App): If your 2FA (Two-Factor Authentication) is sent to your phone as a Text Message, you are at risk. Hackers can do a "SIM Swap"—they trick the phone company into moving your number to their phone. In 2026, you should only use an Authenticator App (like Google or Authy) or a physical security key. It’s the only way to make sure a hacker can't intercept your codes.