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I retired quietly and bought a new home without telling anyone. When my son called and casually asked, “Which side of town is it on?” I checked the security cameras—and saw his entire family already inside, walking through the rooms as though the place belonged to them.

I retired quietly and bought a new home without telling anyone. When my son called and casually asked, “Which side of town is it on?” I checked the security cameras—and saw his entire family already inside, walking through the rooms as though the place belonged to them.

The first thing I did was change my email password. Then my building account. Then online banking, healthcare, retirement, insurance, and every other account tied to the same recovery information. While I worked through...