Social media in 2025 is more powerful — and more dangerous — than ever before. It’s where we learn, connect, and even make money. But it’s also flooded with self-proclaimed “money gurus,” AI influencers, and viral finance hacks that aren’t always what they seem. Some are harmless. Others can seriously damage your wallet.

If you want to protect your money and still use platforms like TikTok, Instagram, X (formerly Twitter), and YouTube for smart tips, this guide is for you. Here’s how to spot fake financial advice online and what to do instead.