Start engineering tomorrow, today. Reminds of something I saw on Twitter, you want to be one of the people using Lisp in the 60s, not one of those using COBOL.
I've been on 2-factor auth for a while, but only switched to a password manager after my "default" password got hacked in that Adobe incident some weeks back. (KeePassX!)
Is this a question? Or a user with 31k points using skeptics.stackexchange as a blog host? The back of the envelope calculation was fun to read, though.