So the entire point of a password manager is to give each website a unique password so that if one password gets compromised, your passwords for every other site are not compromised. Based on current computing power, each password you have for an online service really should be about 20 characters and totally unique and random. And for a human, that's basically impossible to accomplish. So what you do is have the password manager do that work for you and then you have one master password which accesses the password manager database. By doing so, you only have to remember two passwords. One password is to actually log into your system, such as your Linux login password, and the other is to log into your database on your password manager, which then has all of your other passwords. What I do for backing my password database up is that my primary computing device is my phone and so my password manager lives on my phone and once every three months I copy that password database to two separate flash drives in two separate physical locations. I then also copy it to my laptop. So I have two computing devices with the password manager file and two flash drives with the password manager file which are in separate locations. Even if someone were to steal the password manager database file off of one of my flash drives or something like that, they would still need the database password in order to access it. And I've made mine over 20 characters long, so no computer is going to be able to crack it unless it's a quantum computer, which do not currently exist.

If you are able to manage online banking, then you will be able to manage Monero. The main difference between your online bank account and Monero is that if you lose your wallet seed phrase, it's not recoverable. Unlike your bank account, where you can give them ID and your identification numbers and get your password reset. That is yet again another good reason to put your seed phrase in a password manager so that you can't lose it. My personal suggestion would be the monero.com wallet made by cake wallet. Cake wallet offers multiple cryptos where monero.com only offers monero. Monero is digital cash. So you should get some and spend it on food and other such necessities and then get some more to replace it. Just like you would bills in your pocket. In terms of fiat currency, it will fluctuate because it is another currency. Just like how the euro will fluctuate in value against the US dollar, etc. In order to avoid that problem, it is best to fiat cost average where no matter what the current price says it is in your fiat currency, you're always going to put X amount of fiat currency in it per month. So you might say, I'm always going to put $10 into it no matter what the price is. And that will help to smooth out the volatility compared to the fiat currency. You can also check out places like xmrbazaar.com/, which offer goods and services for Monero, or even my store at xmrbazaar.com/user/AuroraGener… where I sell items for Monero and keep the prices stable over long periods of time so that you know what to expect. I base my prices on the average and so therefore you might be able to find the same item cheaper elsewhere but at the price I charge I guarantee you will get the item and you will know what you're going to pay for it. Since Monero fluctuates against fiat currency, most people only keep their prices stable for like 10 or 15 minutes at a time where I keep my prices stable for like three and four months at a time. So if you need to buy some toilet paper today and then you need to buy toilet paper three months from now, it's going to be the same price so you know what to budget for.

As for buying Monero, governments don't like it because they can't trace it. So they purposely do their best to keep it off of centralized exchanges. So the best place to buy it is from retoswap.com/. It's a piece of software you download on your Linux, Windows, or Mac computer. And it lets you access the RetoSwap decentralized exchange.

You can also work for it or sell items for it like I do on XMRBazaar. There are plumbers, electricians, therapists, etc. on XMRBazaar, who all earn Monero from their normal work by offering their services in exchange for Monero. You can also choose to be a proxy shopper where somebody wants an item and they will tell you the item they want and you purchase it and they will give you Monero or you can offer items yourself for Monero such as I do at my store front above. I don't personally do proxy shopping where I will buy any item for you, but I try to have the basics such as razors, shaving cream, toilet paper, things that you would need in day-to-day life available for Monero.

I suggest keepassxc on desktop and keepassdx on android. If you are an iphone user keepassium is pretty good (mom approved).

As for whether you should be using Monero with Tor. You don't have to, and it's a lot slower if you do, but you do get some benefits if you do in certain scenarios.

I run my own local node which has a copy of the blockchain so that I don't have to trust anyone except for myself and do not have access to a static IPv4 or IPv6 address and so I host my node as a Tor hidden service. By doing so, I can access my own personal node from anywhere in the world, no matter what network I'm on. And again, since I trust myself, I know that I'm getting correct data. By default, Monero.com and Cake Wallet use the Cake Wallet nodes and they are a rather trustworthy entity. So I would feel safe recommending just using them until you become more advanced and want to run your own. If you access the nodes through Tor, then obviously they won't know your IP address. Whereas if you don't access them through Tor, they would know your IP where you connect from. And it's really up to you to determine whether that's a problem for you or not. If you already use a VPN, you could just use that as well.