The solution for this problem is to establish what I call a “freedom account” that forces you to anticipate unexpected, irregular and intermittent expenses and finance your own emergencies.

Fake accounts impersonated Nintendo, Apple, Lockheed Martin -- even as Twitter and Musk's electric-vehicle company Tesla.

“You can have a great retirement on $5,000 a month, and you can have a great retirement on $50,000 a month,” says Joe Conroy, ...