Most account takeovers we help clients recover from started with a reused or phished password. Two-step verification (2FA) stops most of them, because a stolen password alone is no longer enough.
Start with your email account, it can reset everything else, then banking, social media and your website or hosting control panel.
An authenticator app is safer than SMS codes, and keep your backup codes somewhere offline.
Have you had a close call with a phishing email or a fake mobile-money SMS? Share what it looked like so others can spot it.