You think you'd never fall for a scam ... until it happens to you. Financial fraud peaked during the pandemic, and new advances in AI mean it's only gotten more sophisticated since. Tech expert Kim Komando joins us to talk about why scams draw so many people in, how to know if you're being scammed, and what you can do to protect yourself. In Mailbag, we answer questions about refinancing student loans and the difference between an index fund and an ETF. Our money tip of the week: how to teach your kids about money. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Learn more about your ad choices. Visit megaphone.fm/adchoices