Workshop Twelve

🧭 Mission Briefing

Objective: Protect your money using insurance, fraud awareness, and strong online safety habits. Think like a guardian: reduce risk, prevent losses, and act quickly if something goes wrong.

🎯 Target 1: Insurance (Transfer Risk)

• Health Insurance — Helps pay medical costs.
• Auto Insurance — Covers damage/liability in accidents.
• Homeowners/Renters — Protects your home/belongings.
• Life Insurance — Supports loved ones if you pass away.

🎯 Target 2: Scams & Fraud (Spot the Tricks)

• Phishing: fake emails/texts pretending to be trusted sources.
• Imposter Calls: “bank/IRS” demanding urgent payment.
• Romance/Prize Scams: emotional pressure or “you’ve won!”
• Rule: No legit org asks for gift cards or crypto for payment.

🎯 Target 3: Online Safety (Harden Your Accounts)

• Use strong, unique passwords (long passphrases or 12–16+ random chars).
• Enable Two-Factor Authentication (2FA).
• Avoid banking on public Wi-Fi (use cellular or a trusted VPN).

🎯 Target 4: Credit & Identity Protection

• Check your credit reports yearly (look for unknown accounts).
• Turn on alerts for unusual transactions.
• If identity theft occurs: freeze credit and report it immediately.

Mission Recap: Insure what matters, spot scams, lock down your logins, monitor credit, and act fast on suspicious activity.