It's great to have you here on the Clark Howard Show.

You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life.

And today's show, I want you to know crooks are working overtime to steal your money.

And the schemes are proliferating. I want to talk about how careful you've got to be.

Also, how are you going to future-proof your career?

Right now, everything's about how AI is coming to chew up every job in the United States and worldwide.

And we're all going to be, I don't know what we're going to be doing.

Working for the AI, I don't know.

We'll talk about that later.

I want to talk now about something that is absolutely ugly,

and that is how criminals are tricking so many of us, no matter how sophisticated we are, into giving them information

that allows them to help themselves to our money. And people in the financial business

are Johnny come lately's to doing the proper things to protect your and my money. I think about how lame it is now

that these financial companies are still using our voice as an identification pattern.

When now with AI, it's really easy for anybody with our voice, any recording of our voice, to fool

the voice pattern indicators that financial houses are using. And they're still using

two-factor authentication with our cell phones.

And I talked recently about why you need to lock your SIM with your cell phone provider.

And if you didn't hear me talk about that, we've had a lot of people who contact customer no service at their cell phone providers.

They're like, what are you talking about?

Usually on the app with your cell phone provider, you can lock your SIM. I did it on mine. It took 30 seconds.

And that way, even if somebody tries to steal my cell phone number, so they're getting those one-time

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