Click this if you want the backstory: If this does not cause you concern, go back and read it again.
The article at the link above is short. However, if you are bewildered by technical things,
at minimum, read the information below.
If the NSA can not protect themselves it is reasonable to assume the government is not going to protect our online information.
So, this is for anyone who uses a computer. And, yes, that includes the little handheld computer in your pocket. I know it was advertised as a phone but it is really a pocket computer with a phone app. FYI, it connects to the internet all the time.
If you do nothing else to protect yourself, do these two things. Do not use the same password for multiple accounts! Download and use a password manager. This allows the user to remember only one master password for everything. One account will manage all your devices. There are multiple highly rated password managers available. Some have free versions that should handle most people. The service I use constantly monitors for major hacks and alerts me to change my passwords and makes it easy to do so. Also, the password management company can not see your passwords as they are always encrypted.
When your passwords are managed, google VPN. Read the Wiki or VPN for dummies or whatever. Then get one and use it. There are free ones but they are generally significantly slower. A high quality one like I use is fast, allows unlimited data, covers all my family’s devices and costs me about forty dollars per year. Message me if you need to be pointed in the right direction.