DECA Personal Financial Literacy (PFL) Practice Exam

Enabling two-factor authentication is an effective way to protect personal information online because it adds an extra layer of security beyond just a password. This method requires users to provide two forms of identification before they can access their accounts. Typically, this involves something the user knows (like their password) and something they have (such as a smartphone or a code sent via text or email). This greatly reduces the risk of unauthorized access, even if someone manages to obtain the user's password.

The other options do not enhance security in the same way. Using a single password for all accounts significantly increases vulnerability; if one account is compromised, all accounts linked to that password are at risk. Sharing information over unsecured networks, such as public Wi-Fi, can expose individuals to interception by hackers. While avoiding social media can reduce the risk of personal information exposure, it's not practical for everyone and doesn't address the need for strong security measures across all online activities. Thus, enabling two-factor authentication effectively balances accessibility with the need for robust protection of personal information.