List the most likely risks first: stolen passwords, lost phones, and phishing. Address them with a password manager, strong authentication, and device‑level encryption. Ignore exotic threats until fundamentals are solid. Clear priorities keep spending sane and focus effort where it blocks the greatest real‑world harm efficiently and predictably.
Follow a friendly 3‑2‑1 approach: three copies, two media types, one off‑site. Automate schedules, test restores quarterly, and tag critical folders so nothing important gets missed. Proven backups turn accidents into inconveniences rather than expensive crises that force rushed purchases and panic‑driven decisions you later regret deeply.