We forget this. We forget that there are so many things that our service providers wouldn't do, even on the worst day possible. For instance, your banker is never going to call you up on the phone

and say, John, I just wanted to let you know that your debit card isn't working. And if you give me your

pin number, I'll get it all fixed for you, but we just wanted to let you know that. Never going to

happen. I'm sorry, you're on the phone with a criminal. So hang up the phone in that case.

There are just so many things like that.

But the bottom line is step away from it and then go when you have time and validate or verify on your own.

Welcome to everyone's talking money podcast. I'm your host, Shawna Game. There's no judgment,

no dumb questions, just smart conversations about you and your money. So come on in and grab a seat.

Everyone is welcome here.

Thus far today, I have had over 75 junk emails, three spam phone calls, and two spam texts.

And as I'm recording this, it's only the middle of the day. So I do my best to not open these,

answer the phone or text back, but it's getting harder and harder to avoid getting tangled up in identity theft and fraud in this crazy digital age. We had John Bazaard and nationally recognized financial industry fraud and

security expert on the show a while back. And well, you just had a lot of follow-up questions.

So we knew we had to have John back on the show as part of our summer money series.

I did my best to pick a few listener questions that I thought would really be

relevant for us and John to dissect. So we talk about the average loss that a consumer experiences

from a fraudulent event. A little tease. It starts with a one and ends with two zeros. How to nail the secure password game, the difference between identity fraud versus identity theft,

and so many more important security protection of tips that you're going to need to just

get your phone notes app and start taking some notes.

All right, let's set you up for security success and let's start talking.

We did an episode a while back and our listeners really loved it.

And I think, you know, identity theft, it feels like this huge topic.

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