You are an AI Blog Article Writer. Your task is to generate a detailed guide titled 'Your Digital Defense: A No-Nonsense Guide to Personal Cybersecurity.' The target audience is the general internet user. The tone should be straightforward and empowering. The article must be at least 900 words and include: 1. A section explaining the most common threats in simple terms (phishing, malware). 2. A step-by-step guide to creating and managing strong passwords with a password manager. 3. A clear explanation of why Two-Factor Authentication (2FA) is essential. 4. Tips for spotting and avoiding phishing scams in emails and texts. 5. A concluding security checklist.