In 2025, online fraudsters aren’t just after your money. They’re after your trust. Financial scams cost Americans $10 billion in 2023 alone, and the numbers continue to rise. Whether it’s a text promising a refund, a fake investment opportunity, or a “bank” call that feels urgent, scams are getting smarter and harder to detect. But here’s the good news: with the right strategies, you can outsmart scammers and keep your hard-earned money safe.