According to the FBI, Americans lost nearly $21 billion to cyber-enabled fraud last year—a 26% increase from the year before.

And the single largest category? Investment-related fraud, with more than $8.6 billion in losses.

But what's most unsettling isn't the scale... it's how simple some of these scams really are.

A retired couple recently lost thousands of dollars from their IRA after a scammer tricked them into sharing a single six-digit verification code over the phone.

No hacking. No stolen password. Just one text message and one phone call.

In this episode, I'm breaking down how "account takeover" scams work, why they're so effective, and the specific steps you can take to close the security gap.

Here's what you'll learn:

→ The 3-step pattern behind most account takeover scams

→ Why your personal information may already be compromised (and what that means for your account security)

→ What to do—and what not to do—when a financial institution contacts you about suspicious activity

→ 3 simple upgrades to better protect your accounts that most people overlook

In a world where scammers only need a few seconds to strike, your ability to slow down and take back control of the moment may be the most valuable layer of protection you have.

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EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

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