Cybercrime doesn’t wait for you to have free time. Between work, family and everything else on your plate, it’s easy to assume cybersecurity is too technical or too time-consuming to tackle. The good news? You don’t need to be an expert to meaningfully protect your financial life. A few intentional habits — maintained consistently — can dramatically reduce your risk.

Cybercriminals typically go after the easiest path: reused passwords, unprotected devices and accounts no one is actively watching. Here are three fast, high-impact actions that deliver real protection without eating up your time.

1. Lock down your logins

Think of passwords as the front door to your financial life. Make each one unique, especially for financial, email, phone and social media accounts. Avoid using your email address as a username and skip obvious passwords. Instead, use long passphrases you can remember (for example, a sentence with punctuation). Then add two-factor authentication (2FA). Where available, voice or device biometrics add another layer of defense.

2. Monitor your accounts and credit

After gaining access, criminals move fast. Regularly review your account activity, profile changes and alerts so nothing slips by unnoticed. It takes minutes but can save months of cleanup.

For extra protection, consider freezing your credit with the major credit bureaus. A credit freeze prevents new accounts from being opened in your name — one of the most effective ways to stop identity fraud cold.

3. Secure the devices you use every day

Your phone and computer are gateways to your finances. Keep them updated with the latest operating system and security patches, use antivirus software and avoid public Wi-Fi for banking or shopping. Enable built-in protections like automatic screen locks, “find my phone” apps and biometric access. Be cautious with links and attachments, and if something feels off, stop engaging immediately. Legitimate companies won’t pressure you to act fast or give them remote access.

Cybersecurity doesn’t have to be complicated. A few intentional steps, repeated regularly, can protect what matters most — your money, your identity and your peace of mind. To find resources that help you stay vigilant and protect your accounts and personal information, visit Fidelity.

Are your retirement accounts scattered among different financial institutions? If you’ve worked for different employers, you could lose sight of retirement accounts you’ve amassed along the way. Changes in plan providers or recordkeepers can make it even more challenging to hunt down your money.

When juggling multiple retirement accounts, it can be hard to stay on track with your savings and investing goals. Consolidating your accounts could be your best move. In addition to saving you time and potential headaches, having fewer accounts to manage:

• Makes it easier to monitor and manage your funds
• Reduces fees associated with multiple accounts
• Makes asset allocation and diversification easier

If you want to consolidate accounts, you can roll qualified funds from other plans into your Sandia 401(k). To get started, contact Fidelity. They’ll help you streamline your accounts and maximize your financial future.

You’ve got a lot going on. With everything that competes for your attention, it’s no surprise that saving for your future isn’t always top of mind. Since your 401(k) will likely be a key source of income in retirement, we want to make sure you’re taking advantage of the Fidelity tools that simplify saving and investing.

Fidelity’s annual increase program enables you to maximize savings, even when your attention is elsewhere. Just choose how much you want to increase your contributions by each year — and the date you want the increase to take effect — and the program will automatically bump up your contribution by that amount. Just set it and forget it. As a reminder, you can always change your contribution rate at any time during the year.

A 2022 study conducted by the Employee Benefits Research Institute found that over a 10-year period, employees who participate in automatic 401(k) savings programs typically have balances that are 15% higher than those who manually contribute to their plans. They also experience about 20% less stress.

If you create your own investment mix, you’ll appreciate Fidelity’s 401(k) rebalancing feature, which maintains your preferred asset allocation as markets move and fund prices fluctuate.

Prefer to take a hands-off approach to investing? You can choose the target date fund closest to the year you expect to retire. A target date fund provides an age-appropriate and diversified mix of stocks and bonds that adjusts as your target retirement date approaches.

To access these tools, log in to your Fidelity account.