My buddy, A Qiang, saved over 800,000 yuan doing e-commerce. Every night he kept his location on and spoofed/checked it, and his phone number was linked to all his bank cards.

Last month, in the middle of the night, he received a text message: “Your online banking login is abnormal. Click the link to verify.”
He half-awake, half-dazed, clicked it.
Three minutes later, 420,000 yuan was transferred out of his account.
After he reported it to the police, the officer sighed: “When you go to sleep at night, don’t you turn on airplane mode? Don’t you turn off location, either? Is that phone number you leave it everywhere?”
A Qiang was stunned.
The officer went on to say, “Remember this—on a phone you use to store money, you can only install bank cards; don’t install Alipay. That number—don’t tell anyone. When you sleep at night, airplane mode on + turn off location. This is the basic operation for keeping your money safe.”
A Qiang asked, “Then what should I use normally?”
The officer said, “Also go buy a 100-yuan elderly phone—just for making calls.”
I’m doing the same thing now.
One phone for storing money, one phone for chatting.