I like the idea of getting a text message on your phone with a very quickly expiring key (60 seconds), or having an authentication app like Google's, which work

I like the idea of getting a text message on your phone with a very quickly expiring key (60 seconds), or having an authentication app like Google's, which works for a bunch of websites. I do admit, even that's kind of annoying. That's why I started using a password manager.