Multi-factor authentication (MFA) makes it more difficult for a hacker to get access to your online stuff, and the most common form of 2FA authentication is two-factor authentication (2fa). A very common form of 2fa is a debit card. One factor is the card itself, which contains magnetic identification info (chip), and the pin you provide when you stick it to the ATM machine.
It's simple and fairly good at keeping others out of your ATM-accessible cash. 2FA is important for your online accounts, such as email and your iCloud accounts. You can get the best two factor authentication 2fa via https://www.logmeonce.com/two-factor-authentication/ to secure your online data.
While I admit it can be a bit of a pain to have to do something additional to get into your account, it's far less of a pain than having one's identity stolen, losing access to your email, or answering your friends who wonder why you have said such crazy things about them. Or, heaven forfends someone, logging in as you on one of your gaming accounts.
This is how 2fa authentication or two steps function for several different types of online accounts. (Note, this service changes everything from time to time, so it's good to keep abreast of such changes.)
Setting up Google 2-Step verification
First, you log in with your user name and password to your Gmail account. There should be an avatar in a circle near the upper-left-hand corner of the window. Maybe it's even a photo of you. Click on it and you'll see "My Account." On the new window that opens up, click on "Sign-in & security."
Click on "2-Step Verification," then on "Get Started." Time to enter your username and password again. Enter a phone number and click on whether you want to receive a text or a phone call. Then you magically get a text or phone call with a 6-digit verification code. Type it in and select the option to turn on 2-step verification. It's that easy. Okay, it's several steps, but not that hard.