If you read this column at all, you know I’m a big fan of two-factor authentication (2FA), a password-plus-a-thing method of reducing the risk of other people and malevolent parties gaining access to your accounts remotely. But a concern related to deploying a second factor on accounts that allow it? Losing it!

In a recent conversation with tech-savvy colleagues, I found that a surprising number were concerned that enabling a second factor could leave them vulnerable to a system crash or a broken or lost phone that contains a necessary token or secret. Without that, they worried about being permanently locked out of their stuff. This is totally reasonable, and you can create a plan when you start using two-factor logins to prevent this from happening.

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