You’ve probably already been in one, it’s a sad part about participating in the world we live in now but it’s almost inevitable. How bad it is obviously depends on what was leaked, but also how you protect yourself.
What’s more important than being involved in a breach is taking care of the stuff within your control. Like you mention, avoid password sharing across services, avoid posting information about yourself unnecessarily. Freeze all your credit reports. Regularly check your bills/financial statements for anything fishy. Protect things on your home network (segment any IOT devices/TVs/printers etc. away from the your computers and devices with data.
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