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A sweet Mother’s Day idea turned into a masterclass on fraud after a glossy Facebook ad led us to a sketchy site, cloned URLs, and pages of warnings. That near-miss sent us digging through FTC data and real-world cases to map the top scams draining more than $10 billion a year and the simple moves that can keep you safe.

We break down the psychology behind deception—why urgency, flattery, and fear cloud judgment—and then get practical. You’ll hear how imposter scams use voice cloning to mimic loved ones, what to ask to trip them up, and why calling back with a verified number is non-negotiable. We walk through online shopping traps and the safest ways to pay, the giveaway that isn’t a giveaway if it demands fees, and investment pitches that lean on “guaranteed returns,” passive income promises, or crypto hype. We also unpack job posts that require payment, the risks of shady apps and sideloading, and how SIM swapping lets thieves hijack your one-time codes—and how to block it with your carrier.

Health and travel aren’t off-limits to fraud either. We look at miracle cures and unregulated supplements that prey on hope, plus the surge in travel deals and timeshare pressure plays that rely on “today only” pricing. And with global events like the Paris Olympics on the horizon, we flag how scammers will tailor old tricks to new headlines. If you’ve already been hit, we outline the triage: contact your bank and payment apps, report at reportfraud.ftc.gov, place fraud alerts or freezes, check your reports, and use identitytheft.gov for recovery.

By the end, you’ll have a checklist you can actually use: slow down, verify at the source, pay with protection, enable multi-factor authentication, review bills and credit, and report quickly so others don’t get burned. If this helped, follow the show, share it with a friend who loves a good deal, and leave a review telling us the biggest red flag you watch for.

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