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We move from a raw reflection on the Bondi tragedy to practical tools that restore agency at a stressful time of year. Five major Christmas scams are unpacked with psychology, red flags and clear steps to protect your money and your calm.

• how urgency, generosity and time pressure raise risk
• fake online stores and counterfeit deliveries
• parcel delivery phishing and malware traps
• travel deals that never existed
• banking impersonation and account locked texts
• gift card payment demands and why they are untraceable
• scarcity bias, social proof and loss aversion explained
• simple safety rules and when to call the bank
• reporting to Scamwatch and supporting family
• slowing down as the strongest defence

Share this episode with someone doing their Christmas shopping online. Forward it to your family group chat because the best offence against scams is knowledge. Over the next few weeks, I’m going to be releasing three chapters a week from my first book, The Audiobook of Why Smart Women Make Bad Decisions. Do yourself a favour and listen.

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