I got an email from a listener named Jim K., and it’s the kind of note that sticks with you.

“I checked Have I Been Pwned and found one account breached twice, another nine times, and another five times. I keep my usernames and passwords in Notes. I don’t let websites store my credit card info, but I do reuse passwords. I’m not sure I trust password managers. And I really don’t want to change every password the next time there’s a breach.”

Jim, you’re not alone. Most people, especially smart, careful folks like you, are in the exact same boat. That’s why I’m sharing this.

🔓 Reused passwords = a hacker’s dream

Once a password is leaked, hackers use credential stuffing to try logging in across hundreds of sites. And when you reuse passwords, you’ve made their job a whole lot easier.

Here’s what’s happening behind the scenes:

Bots run 24/7, plugging stolen or breached logins into banks, shopping sites, retirement accounts, even church donation portals.

Hackers sell your info on the dark web, and multiple criminals buy and exploit it.

One breach can lead to financial fraud, identity theft and years of cleanup.

And no, your Notes app won’t protect you. It’s not encrypted, and if someone gets into your phone or iCloud, they’ve got your entire digital life. Stop that now. Browser-stored passwords? Same problem, they’re often just a click away from being stolen.

🛡️ The fix

This is where a dedicated password manager comes in. It’s not some clunky tech tool. It’s like autofill, but encrypted and actually safe.

Every account gets a strong, unique password.

You only need to remember one master password.

It syncs securely across your devices.

You can share logins the right way (not over text).

And when a breach happens, you update one password, not 30.

I get the hesitation. I was skeptical, too. But I’ve tested dozens of options, and the one I trust with my own accounts is NordPass. Full disclosure: They’re a longtime sponsor of my national radio show. They use zero-knowledge encryption, so not even NordPass can see inside your vault.

They also include a dark web breach scanner, so you’ll know right away if any of your account logins and passwords have been leaked. That’s a huge win in today’s scam-heavy world.

👊 Special deal for you

If you’re still on the fence, now’s the time to make the switch.

✅ NordPass is only $1.24/month. Btw, if you sign up, I get no kickbacks or residuals.

Jim, and anyone else feeling that uneasy “what if,” this is one of the smartest moves you can make to protect yourself, your finances and your peace of mind. 

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