This week, we’re dissecting the art of the modern scam. We've all experienced the subtle unease of a pitch that just doesn’t feel right, but in an era where the line between marketing and deceit is dangerously thin, it’s important to stay aware so you don’t get hoodwinked and bamboozled. 

We Discuss:

• Why we need to stop confusing charm with legitimacy
• How corporations are now using MLM tactics
• Why companies who use hard-sells aren’t actually interested in your problems.
• Why financial fraud is about to hit an all time high and what to do about it.
• Why it's important to know the history of your "expert"
• How fake reviews and stock photography can get you into trouble
• Why anonymous instructors should raise a red flag
• That sometimes the product isn’t the product and it’s a recruiting tactic instead.
• And lastly how not having a password manager is as foolish as a newborn walking in the street (or at least that’s how Julien sees it).

Key Takeaways:

• The “free speech” era will unleash more digital scammers
• Learn to differentiate between a legitimate business and a scam, and where your responsibility lies in the purchase.
• Urgency is a primary tool of manipulation.
• Overly charismatic personalities and flashy presentations are not proof of legitimacy.
• You should be able to see who you’re giving money to, not just the brand's face.
• Real testimonials are verifiable, they’re not based on stock photography and manufactured bots.
• The best defense against manipulation is informed skepticism.
• That sometimes if you can buy a product, you’re being used to recruit.
• You must prioritize password changes and offline time as a preventative measure.

Links: 

• Financial technology toolkit
• The five levels of hype 

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