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Top 10 Common Scams That Steal Your Money (Stay Safe)
Sep 28, 2025
Scams are everywhere, and anyone can fall victim if they’re not careful. In this video, we break down the Top 10 most common scams that steal your money. From online fraud to everyday tricks, these scams are designed to look real but can drain your savings in seconds. Learning how they work and knowing the warning signs can help you protect yourself and your loved ones. Stay aware, stay smart, and don’t let scammers take advantage of you. 👉 If you find this video helpful, don’t forget to like, share, and subscribe for more valuable tips on money, safety, and financial awareness.
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0:00
and welcome to our channel, Top 10s You
0:01
Should Know. Today, we're diving into a
0:03
topic that's as urgent as it is
0:05
eyeopening. Every year, millions of
0:07
people lose their hard-earned money to
0:09
scams. Scams that are getting smarter,
0:11
slicker, and harder to spot. And the
0:13
scary part is it's not always about
0:16
greed. Sometimes it's about trust,
0:18
desperation, or just being caught off
0:20
guard. But here's the good news. Once
0:23
you know the tricks scammers use, you
0:25
can protect yourself and those you love.
0:28
So stay with me because these are the
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top 10 common scams that steal your
0:32
money and some of them might be
0:34
targeting you right now without you even
0:36
realizing it. One, the fake tech support
0:40
call.
0:42
One of the oldest but still very
0:43
effective scams is the fake tech support
0:46
call. You're at home, maybe working on
0:48
your laptop, when suddenly you get a
0:50
call from someone claiming to be from
0:52
Microsoft, Apple, or some security
0:54
department. They sound professional,
0:57
urgent, and they tell you that your
0:59
computer has been hacked or infected.
1:01
Now, here's where the hook comes in.
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They'll ask you to give them remote
1:05
access so they can fix it or tell you to
1:07
pay a small fee for immediate
1:09
protection. Many people panic,
1:11
especially older folks who aren't
1:13
techsavvy, and they hand over control or
1:16
credit card details.
1:18
But what actually happens is chilling.
1:20
Once they're in, they can steal your
1:22
files, plant malware, or drain your bank
1:25
account. The truth is, no legitimate
1:28
company cold calls you to tell you your
1:30
device is hacked. If you ever get a call
1:33
like this, hang up immediately. Never
1:36
share remote access with someone you
1:37
don't know. Two, fishing emails that
1:41
look legit. We all get tons of emails
1:43
every day, but hidden among them could
1:45
be a carefully crafted trap. Fishing
1:47
scams are designed to look like they're
1:49
from banks, delivery services, or even
1:51
government agencies. The email might
1:54
say, "Your account has been locked," or,
1:56
"Click here to verify your details."
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With a very official looking logo, but
1:59
the link inside takes you to a fake
2:02
website that captures your login
2:04
credentials. In seconds, your bank
2:06
account could be compromised.
2:09
What makes fishing so dangerous is that
2:12
the scammers exploit urgency. They make
2:14
you feel like if you don't act now,
2:16
you'll lose money or access. The best
2:19
way to protect yourself, always check
2:21
the sender's email address carefully.
2:23
Hover over links before clicking and
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never share sensitive details through
2:28
email. If in doubt, go directly to the
2:30
official website yourself. Remember,
2:32
real institutions won't ask for your
2:34
passwords via email. Three, online
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shopping traps. You see an ad for the
2:40
perfect gadget. Maybe it's trending on
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Tik Tok or looks like a deal too good to
2:44
be true. You click the link, the site
2:47
looks somewhat professional, and you
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place an order. But here's the twist.
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The product never arrives, or worse,
2:54
what you get is a cheap knockoff.
2:57
Online shopping scams are thriving
2:59
because they prey on impulse buying and
3:01
the excitement of finding a bargain.
3:03
Some fake sites even mimic legitimate
3:05
brands with just one letter off in the
3:07
domain name. Before buying from any
3:09
online store you don't recognize, always
3:12
check reviews, look for contact
3:14
information, and see if the website has
3:16
secure payment options. And if the price
3:18
looks unbelievably low, trust your gut,
3:21
it probably is.
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Four, romance scams. This one is
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especially heartbreaking. Romance scams
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don't just steal your money, they break
3:30
your trust and confidence. Scammers
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create fake profiles on dating apps or
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social media using stolen photos to
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appear attractive, trustworthy, or
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charming. They slowly build a
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relationship, often over weeks or
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months, showering you with affection and
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attention. Then comes the turning point.
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They suddenly have an emergency. Maybe
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they need money for medical bills,
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travel expenses, or to finally meet you
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in person. Victims emotionally invested
3:57
often send thousands of dollars only to
3:59
later discover the entire relationship
4:01
was fake. The best defense here is to be
4:04
cautious if someone you've never met in
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person starts asking for money, no
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matter how convincing their story is.
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Love is never supposed to be paid for.
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Five. Lottery and prize scams.
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Congratulations, you've just won a huge
4:18
prize.
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That's the classic start of a lottery
4:22
scam. You'll get a call, email, or even
4:25
letter telling you that you've won
4:26
millions. But there's a catch. To claim
4:29
the prize, you need to pay a small
4:31
processing fee or tax upfront. And of
4:34
course, once you pay, the prize never
4:36
arrives. Scammers rely on excitement to
4:38
cloud judgment. And sadly, many people
4:41
fall for it because who doesn't want to
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believe they've won big. The rule is
4:45
simple. If you didn't buy a ticket or
4:46
enter a contest, you didn't win.
4:49
Legitimate lotteryies never ask for
4:51
money upfront to release winnings. Six,
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investment scams. Scammers know people
4:57
are always looking for ways to make
4:58
their money grow, so they pitch
5:00
guaranteed investment opportunities with
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high returns and zero risk. That alone
5:06
should raise alarm bells. Real
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investments carry some level of risk,
5:10
and anyone promising guaranteed profits
5:12
is lying. These scams might involve fake
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stock tips, crypto schemes, or
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once-ina-lifetime deals. Victims usually
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get pressured into investing quickly
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without time to think or research. To
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protect yourself, never invest based on
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a cold call, unsolicited message, or
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flashy promise. Do your own research,
5:31
consult licensed professionals, and
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remember, if it sounds too good to be
5:35
true, it definitely is. Seven, job offer
5:38
scams. Looking for work can make people
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vulnerable and scammers know this. Fake
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job offers often appear through emails,
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job boards, or even social media. They
5:48
might promise high pay with little
5:50
effort, work from home opportunities, or
5:52
even overseas positions. But here's the
5:55
trick. Before you start, they'll ask you
5:57
to pay for training, equipment, or
5:59
processing fees. Sometimes they'll also
6:02
try to steal your personal information
6:04
through fake applications. The sad part
6:06
is people lose not just money but also
6:09
hope and confidence in their job search.
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Remember, real employers don't ask you
6:13
to pay to get hired. If a job looks too
6:16
easy or too perfect, double check the
6:18
company, read reviews, and never hand
6:20
over money before earning it. Eight,
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charity donation scams. This one usually
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spikes during natural disasters,
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pandemics, or times of crisis. Scammers
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pose as charities exploiting human
6:32
compassion. They set up fake websites or
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call people directly asking for
6:37
donations to help victims. But the money
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never goes to charity. It goes straight
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to their pockets. Always verify
6:44
charities through trusted platforms,
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official websites, or government
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registries before donating. A real
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charity will never pressure you to
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donate immediately or only accept shady
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payment methods like gift cards or wire
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transfers.
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Nine. Subscription traps.
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You sign up for a free trial of
7:03
something, maybe a fitness app, a movie
7:05
streaming service, or a health
7:06
supplement. You think you're just
7:08
testing it out, but hidden in the fine
7:10
print is an automatic subscription.
7:13
Suddenly, your card starts getting
7:14
charged month after month, and
7:16
cancelling feels like navigating a maze.
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These scams work because they disguise
7:21
recurring payments as free trials.
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Always read the fine print, set
7:25
reminders before free trials end, and
7:28
monitor your bank statements regularly
7:29
to catch sneaky charges. 10. Identity
7:33
theft scams. Perhaps the most dangerous
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scam of all, identity theft. Scammers
7:38
steal your personal details through
7:40
hacking, fishing, or even by digging
7:43
through discarded mail. With just a few
7:45
pieces of information, they can open
7:47
bank accounts, take out loans, or commit
7:49
fraud in your name. victims often don't
7:52
realize until the damage is massive.
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Protect yourself by shredding sensitive
7:57
documents, using strong passwords,
8:00
enabling two-factor authentication, and
8:02
monitoring your credit reports
8:04
regularly. Your personal information is
8:06
just as valuable as cash. Treat it that
8:09
way. And there you have it, the top 10
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common scams that steal your money. Some
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of these tricks have been around for
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years, while others are constantly
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evolving to match the times. But here's
8:20
the truth. The best defense is
8:23
awareness. Once you know how these scams
8:25
work, you're far less likely to fall for
8:27
them. So, let me ask you, have you or
8:30
someone you know ever been targeted by
8:32
one of these scams?
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Which one shocked you the most? Share
8:36
your story in the comments below because
8:38
your experience might just save someone
8:40
else's
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