Learn to trade online! Get rich! Quit your job! Social media is flooded with people flashing fancy cars and exotic trips, claiming you can have the same lifestyle just by “learning to trade.” But they rarely mention the truth: trading is risky, there are no guaranteed returns, and you can lose a lot of money fast.

Getting ready for college or back-to-school is a good time to talk with your teens about financial wellness. To help guide the conversation, the FTC has free tools on managing money, building credit, and protecting against identity theft. Creating good habits takes time, but here are some ideas to get you started.

These last days of summer can present opportunities to spend more time with your kids. If you’re talking with your 8-12 year-olds about making good decisions while they’re online, the FTC has a free tool called Youville to help.

They’re the worst of the absolute worst: scams that target people who have already lost money to a scam. If you or someone you know paid a scammer, here’s what to know to avoid scammers who pretend to be helpers.