Yes and no. You really only need 2FA on your email -- since losing that means it's trivial to reset any other password and basically steal anything they are aware of you have.
Since most people recycle passwords -- that's double risk.
Companies lose passwords ALL.THE.TIME. And you never are told.
If a credit agency can lose your name, address, and SSN... and not be held accountable, there is zero incentive to keep your passwords secure for most places.
WiFi doesn't really matter unless you have a bored teenager with nothing else to do or became the target of someone (which usually requires you to be an interesting person somehow or another, which is rare). If someone hacks your WiFi, the worst they can do, generally is see what you're doing sort of. Encrypted stuff is still encrypted so they can't see that.
What you need to prevent is losing your email address. I would strongly recommend Authy (maybe the Apple one won't suck but... until we -know- , we don't know). Then add in your phone number.
In this situation, given a bit of elbow grease, you can get everything back. You can email your drivers license / ID to prove you are you, you can reset passwords, etc. Money transactions can be reversed / tracked, etc. Unless it's PayPal, then you lose anything in there (they are not regulated like a bank, this is by design on their part).
So you have to ask yourself firstly: What am I willing to lose?
If you could easily walk away from your digital life entirely at any moment for any reason -- then 2FA doesn't matter to you, most likely. Otherwise, if there is ANY data that is important to you -- first step is to lock that down. THEN investigate recovery of that -- usually email or cell phone methods -- and then make sure THOSE are secure.
