Is Your Wallet Safe Online?

Financial health is more than making good spending decisions—it’s also about protecting yourself from the scams and hacks that can drain your accounts and your peace of mind. From phishing emails to fake phone calls, criminals are becoming increasingly sophisticated, but staying informed and utilizing the right tools gives you the upper hand.

The Federal Trade Commission reported that Americans lost more than $12.5 billion to scams in 2024, a sharp increase over 2023 and the highest amount on record. Seniors remain a frequent target, but anyone with a phone or email address can be at risk.

That’s where Live Well USA makes a difference. As part of your membership, you have access to FinancialLock®, a benefit designed to help protect you and your family from identity theft and financial fraud. FinancialLock provides proactive monitoring, alerts, and recovery services—support you don’t have to figure out on your own.

Pair that with the Lifestyle App, which helps you track financial habits and stay mindful of your daily decisions, and you have a practical safety net that goes beyond what you could do on your own.

Of course, your habits still matter. The Cybersecurity & Infrastructure Security Agency (CISA) recommends setting up account alerts, using strong passwords, and enabling two-factor authentication—basic steps that can stop most common scams before they succeed.

Real Talk

Scammers are counting on us being too distracted, too rushed, or too trusting to notice their tricks. But your financial health is worth slowing down for. Take the extra minute to verify that text, double-check that email, or review your bank statement.

And remember—you don’t have to go it alone. Live Well USA members already have protection at their fingertips through FinancialLock and the Lifestyle App. Use them, lean on them, and let them give you the peace of mind that comes from knowing you’re covered. Staying financially healthy isn’t just about how you earn—it’s also about keeping what’s yours safe.