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How to Be a Password Superhuman

Post-it Notes on Computer

The typical online experience seems to fall into one of two categories: websites you just surf to or search your way to, and sites and services where you log in, using a username and password unique to you. More and more, it seems like the former group is dwindling while the latter is rapidly expanding. The reality is that, for the time being, passwords remain the most practical way to allow a user to access a site, ensuring, at least in theory, that the user is authorized to access the site under those credentials.

One big issue compromising the effectiveness of this system is us, the users, and the bad habits we’ve developed with passwords. Those bad habits are, namely, using short, simple, easily hackable passwords and using the same password for multiple accounts.

Information security experts have long advised that everyone should use long, unreadable, and unique passwords for each account they have online. Seems simple, right? All you need to do is create and remember 16-character, unreadable, unique passwords for something like 100 different online accounts. Or is it 240 online accounts?

It’s estimated that an eight-character password, that uses only uppercase and lowercase letters, would only take about 28 seconds to be cracked by a hacker with the computing means to do it. Adding numbers and special characters increases the time to five minutes. A 12-character password with all the same complexity would take 226 years to crack. Length is obviously a major asset with passwords, but the longer they get, the more difficult it can be to remember them.

It may seem humanly impossible for a human to remember unique 12-character, complex passwords for each of the 100-240 online accounts they maintain, and for most of us, it probably is. And experts advise us not to write them down in a notebook or on a note attached to our computer. That’s where password managers come in.

Password managers are programs that aid in the creation and secure storage of strong, unique passwords. There are several available in the Apple App Store and the Google Play App Store. The most popular seem to be BitWarden and 1Password. There’s even one built into the Apple iOS operating system. I won’t endorse one individually, but I will encourage you to research the available options and find a reputable resource that you trust to determine if there’s one that you feel comfortable using.

When you have found your preferred choice, gotten comfortable using it (YouTube is an invaluable resource here), and are taking advantage of the features built into it, you’ll be on your way to being a password superhuman. You’ll sleep easier knowing that all your passwords are unique to each account that you have, they’re all complex – using letters, numbers, and special characters – and they’re all over 16 characters long. The best part is you don’t have to remember any of them!

© 2025 Covenant Trust.  All Rights Reserved. 

May 15, 2024

Disclaimer

The information provided is general in nature, educational and is not a substitute for individual, professional, investment, tax, or legal advice. Consult your personal tax and/or legal advisor for specific information. Covenant Trust is incorporated in the State of Illinois and is supervised by the Illinois Department of Financial and Professional Regulation. Covenant Trust accounts are not federally insured by any government agency. Clients may lose principal as a result of investment losses. Kanter Tax and Trust Consulting is also not responsible for losses sustained by anyone relying on this information as personal counsel and assumes no obligation to inform the user of any changes in tax laws or other factors that could affect the information contained in this article.

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Covenant Trust works with partners with sound privacy protection policies and practices. No entity is immune from the threat of a data breach, and for that reason, Covenant Trust encourages users to be mindful of that fact when entering data on any website. Finally, Covenant Trust is not liable for any technical or system-related issues arising out of your access to the third-party site.

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By clicking the link below you will be leaving the Covenant Trust website. The destination site is operated by a third-party contracted by Covenant Trust to provide account information to our clients. While Covenant Trust works to provide the most accurate and current information, the destination site is ultimately operated and maintained by a third-party, and while Covenant Trust believes the information to be generally reliable, it makes no guarantees as to the accuracy or completeness of the contents of the third-party website. If you notice anything that looks incorrect, please contact Covenant Trust at 800-483-2177.

Covenant Trust works with partners with sound privacy protection policies and practices. No entity is immune from the threat of a data breach, and for that reason, Covenant Trust encourages users to be mindful of that fact when entering data on any website. Finally, Covenant Trust is not liable for any technical or system-related issues arising out of your access to the third-party site.

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Covenant Trust logo

By clicking the link below you will be leaving the Covenant Trust website. The destination site is operated by a third-party contracted by Covenant Trust to provide account information to our clients. While Covenant Trust works to provide the most accurate and current information, the destination site is ultimately operated and maintained by a third-party, and while Covenant Trust believes the information to be generally reliable, it makes no guarantees as to the accuracy or completeness of the contents of the third-party website. If you notice anything that looks incorrect, please contact Covenant Trust at 800-483-2177.

Covenant Trust works with partners with sound privacy protection policies and practices. No entity is immune from the threat of a data breach, and for that reason, Covenant Trust encourages users to be mindful of that fact when entering data on any website. Finally, Covenant Trust is not liable for any technical or system-related issues arising out of your access to the third-party site.

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Covenant Trust logo

By clicking the link below you will be leaving the Covenant Trust website. The destination site is operated by a third-party contracted by Covenant Trust to provide account information to our clients. While Covenant Trust works to provide the most accurate and current information, the destination site is ultimately operated and maintained by a third-party, and while Covenant Trust believes the information to be generally reliable, it makes no guarantees as to the accuracy or completeness of the contents of the third-party website. If you notice anything that looks incorrect, please contact Covenant Trust at 800-483-2177.

Covenant Trust works with partners with sound privacy protection policies and practices. No entity is immune from the threat of a data breach, and for that reason, Covenant Trust encourages users to be mindful of that fact when entering data on any website. Finally, Covenant Trust is not liable for any technical or system-related issues arising out of your access to the third-party site.

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