But A FIDO2/WebAuthn token (yubikey or similar) would help you stay secure and independent from your phone. I agree that yubikey is a bit expensive, but there are alternatives. Token2 seems quite bit cheaper, but depends on shipping: https://www.token2.com/shop/product/token2-t2f2-fido2-and-u2...
I have broken my phone multiple times, but I always stick to SMS 2FA because as long as I keep paying I will get a new SIM card in 2-3 days, and not be locked out, because of a lost or broken device.
I would avoid a Yubikey if I were homeless and someone could steal it or I could lose it.
Just stick your 2FAs in your password manager, like I do with Bitwarden. I secure it with a Yubikey, but if I lost my house, I would just remove 2FA from it. My bigger concern would be to get cut out, than people somehow guessing my master password.
SMS 2FA is always a terrible idea, homeless or not. It's honestly better to just go 1FA in that case.
SMS 2FA leads to these problems.
But A FIDO2/WebAuthn token (yubikey or similar) would help you stay secure and independent from your phone. I agree that yubikey is a bit expensive, but there are alternatives. Token2 seems quite bit cheaper, but depends on shipping: https://www.token2.com/shop/product/token2-t2f2-fido2-and-u2...