As a financial coach and therapist, I’m pretty active on social media.

My feed is filled with personal finance “hacks” to help youearn cash quickfor this holiday season.

Some of the advice is good – but some tips can be risky or in some cases, illegal.

I’ve seen Instagram reels encourage followers to blindly invest in certain stocks.

And earlier this year, I saw TikTok reels about thisChase Bank “hack"to get free money.

That wasn’t a “money hack.”

It was bad advice that promoted check fraud, a felony.

it can still be dangerous and a financial setback.

I’m here to help you spot the “tips” that can quickly turn your holidays sour.

Always do your research

Don’t make a big financial decision based on a 30-second TikTok video.

Instead, take time to research the topic and ask questions.

Look for credentials

TikTok and Instagram can be helpful, but they’re mainly sources of entertainment.

I recommend looking for a certified financial planner, financial coach, accountant or certified public accountant.

Journaling is a great way to do this.

you might start by making a pros and cons list.

Jot down the benefits, risks and even questions you may have before making your next move.

Then, research answers to those questions or meet with an accredited financial expert to learn more.

Live below your means, build anemergency fund,manage your debtwell and make soundinvestmentsthat you feel confident about.

While not all social media financial advice is bad, stay cautious when you’re following online money advice.

Here’s How to Avoid Them