Hacking. Ransomware. Phishing. It’s a scary time for all of us, especially now that most of our money is digital. ‘Digital’ here refers to money and assets that are reflected in your various banking and investment platforms when you log in.

Digital security is not something you can ignore anymore, dear readers. Imagine logging in one day and finding that your account balance is zero, depleted, transferred out. You’ll stare at the screen in disbelief. You’ll check if the account is indeed yours, and try to remember if you made any transactions that you forgot about (you didn’t). Then, as the panic seeps in, you’ll contact the platform’s support team, only to be told that there is nothing they can do.

To the best of my ability, I’m compiling a checklist of things you should do to make sure your digital money is adequately protected. This article is not complete, digital-based scams evolve all the time, so please help me to update this article if you have anything else to add.