It's Christmas and I've just read my third "Twelve steps to better computer security" article. The authors are optimists. People don't care enough about computer security to take twelve steps - you'll be lucky if you can get them to take one. I'm going to be optimistic, and give you two.
1) Take backups. Your computer *will* fail; your hard drive *will* stop working; your phone *will* break. Did you think that hardware lasts for ever? You need a copy of everything important to you, in a different place.
Have a Merry Christmas!