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Scammers are good at triggering emotional responses. They know that if they can scare, confuse, or stress you out, you may be more likely to take quick action without thinking it through. Be wary of any phone call, email, or text message with a strong sense of urgency and insistence on immediate action. The first step in protecting yourself and your financial security is to STOP and THINK.

Debt can happen to any of us. Sometimes we make choices that overstretch our budget or develop spending habits that challenge self-control. Sometimes unexpected life events require funds we simply do not have. Whether debt is of your own making or a result of unfortunate occurrences, there are ways to tackle the burden.

According to U.S. News & World Report, the majority of Americans do not have enough savings to cover three months of living expenses, leaving them vulnerable to a financial emergency. The unexpected loss of a job, a trip to the emergency room, car or home repairs, or costly veterinarian bills can wreck even the most carefully planned budget - which is why having an emergency fund is crucial to financial stability.