If you want to stop against ransomware, you need to have offsite, incremental backups. This will solve a lot of problems, and give you piece of mind that files are backed up off site as well, for other issues. Fires, floods, failed hardware, etc.
If you want to stop against malware or getting the ransomware in the first place, you need to follow safe browsing habits. Get plugins for your browser that block malicious content, or URL’s. Plugins like ublock origin, HTTPS Everywhere, Ghostery, etc. You can take it a step further and install a pihole DNS server to handle all devices behind your networks requests. You should also make sure your anti virus is up to date. If you are on Windows 10, the build in Windows Defender is actually one of the best, so keep that updated.
If you want to stop against getting into your accounts with poor passwords, or re used passwords. You need to follow better password management practices for different accounts. You can go as far as password management with a tool like keepass (local), or lastpass (web based). If you want to be proactive, change your password every so often. But as long as you have a long and complex password (20+ characters), you are in better shape then most.
When logging into websites, make sure they have an SSL lock on the top left, and that the certificate is valid, any browser will tell you if the session is secure.
If you have a laptop with a built in webcam I would advise getting a cover overit. They make nicer ones online, or you can just use electrical tape.
Enjoy, stay safe :).