Dear Liz: In a recent column, you discussed the importance of setting up two-factor authentication to protect financial accounts. My concern about using this method is that if my cellphone is lost or not working, I won’t be able to access my accounts when necessary. What do you think about this?

Answer: Two-factor authentication typically combines the use of a password with a code texted to your phone. Most providers have backup options, including one-time-use codes and toll-free numbers to call if you run into trouble.