When most of my friends were in kindergarten, I was homeschooling and got introduced to my first computer (Win98). By the time I was 10 I knew what to avoid online, and how to guard privacy.
It’s gotten harder!
But right now I’d say, get a privacy-minded email (Proton, Mailfence), steer clear of Paypal, use a VPN and an ad blocker, and if you can bear it:
Keep your phone OFF. Don’t surf with your phone. Understand the privacy options and use them.
Stay away from social media. No Facebook, Twitter, Instagram, etc.
Also, search yourself on people search sites and see about getting your name removed. Some of them, sometimes, you can.
“Keep your phone OFF.”
Then what’s the point? It’s important for emergencies; that’s why my family and I have them.
I am amazed that people shop, email, and do their banking via cellular. Seems like that’s asking for trouble. Maybe they get lucky. I hope so.