You are on a trip to disaster. Trust me, I do this for a living. One day you’re going to have a horrible surprise. I once had a guy get fired right there on a support call with me, he lost years worth of data because he wasn’t following good archival processes.

For consumer stuff:

1. Buy a cheap NAS, plenty out there. Even one with just two drives is better than nothing (that’s what I do). Splurge and get one that does RAID-5, you’ll thank me one day. 1a. A cheaper, but less effective option, just buy two drives and see if your BIOS supports RAID (most modern motherboards do). If not, well you can do it in you OS too, but hardware RAID is always better.
2. Subscribe to a service like Google Drive, or One Drive, or Dropbox, or whatever you prefer. If you’re uncomfortable about putting stuff in the cloud then encrypt it first (VeraCrypt, GPG4Win, Password protected ZIP files even).

If you are running a business, definitely go with a good NAS, AND buy a tape library and get into a routine of rotating out the tapes and storing them off site (tapes are no use to you if your building get broken into, or burns down). And, use cloud storage too.