Your cyber-life matters - or at the very least, your bank account password and your credit card numbers do. To avoid falling prey to hackers, keep your software up-to-date, choose decent and unique passwords for all important websites, don't install sketchy freebies, and don't fall for legit-looking but unexpected messages and prompts. When in doubt, just leave the site you were on, do some web searches to understand what's going on, and maybe try again some time later.
I hope this makes sense to you. It sounds like you have already figured out that with a growing teen and two additional children in the household, this will be a good start but that more will be needed over time. By doubling these quantities my guess is that you will be better prepared, food wise, than 90% of the population. And even without doubling the quantities, you will be better prepared.
Interestingly, driving and safeguarding your finances have something in common: when you end up hurting another person in an at-fault accident, they may go after your savings or real estate to recoup medical expenses, lost wages, and other costs. So, in addition to driving defensively, have a look at your insurance policy. The minimum liability coverage mandated by the state can be as low as $15,000; relatively few victims will settle with the insurer for that amount if they think that taking you to court could net them ten times as much. Bumping your limit to $250,000 is usually pretty cheap. In fact, if you have collision coverage, you can more than make up for it by increasing your deductible to $1,000.
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