When did you last check the security of your Google or Microsoft account?
If you can’t remember, it’s probably too long ago!
Even if you mainly use it on a home PC and a smartphone, It’s vital to regularly review your logon password as well as your recovery phone numbers and devices, because the service has been remembering which you use to log on over the years.
This is key especially if you’ve ever lent your phone to anyone (or even lost track of it for a period of time).