It's not a matter of IF your hard drive will fail or become inaccessible. It's a matter of WHEN! Back up your data. You can use an external drive , the cloud, the internet or your email provider. There are a lot of options. Do some research. Be consistent.Back up your files on a monthly basis. Redundancy in this instance is a great thing. Back up your files in more than one way. If one fails you still have your files.