Fitness trackers have come a long way from the simple bands that tracked steps and little else. Modern trackers can monitor everything from your heart health to how well you’ve recovered from a hard bout of training. Even flagship smartwatches, which used to be lackluster trackers, have become pretty adept workout companions. Whatever your fitness goals are, there’s probably a fitness tracker that can help you achieve them.
Technology
The best fitness trackers to buy right now
Compared to some other gadgets, wearables are incredibly personal, which means there are a few extra considerations you’ll have to take into account before reaching for your wallet. It makes it hard to say that any one fitness tracker is the best for everyone. Thankfully, the best thing about fitness trackers in 2024 is that there’s enough variety to fit into every kind of lifestyle.
Right now, we’re heading into the holiday shopping season. A little patience goes a long way this time of year. Retailers and companies alike will be trying to get rid of old stock, meaning discounts galore ahead of Black Friday. If you don’t need the latest and greatest, it’s a good time to snag last year’s models in nicer materials.
Best fitness tracker overall
The Amazfit GTR 4 is a platform-agnostic smartwatch that delivers a lot of bang for your buck. It has dual-band GPS, is Alexa-compatible, and has 14 days of battery life.
Size: 46mm w/ 22mm straps / Weight: 34g / Battery life: Up to 14 days / Display type: OLED touchscreen / GPS: Dual-frequency and six GNSS systems / Connectivity: Bluetooth, Wi-Fi / Water resistance: 5ATM / Music storage: 2.3GB
The Amazfit GTR 4 punches way above its weight. It includes a whole array of features you’d expect to see on much pricier wearables, like a bright OLED screen, blood oxygen monitoring, sleep stage tracking, stress tracking, Amazon Alexa compatibility, and an offline digital assistant. It’s also got a native camera remote and a handy Pomodoro timer built in. And for outdoor fitness enthusiasts, the GTR 4 also has multiband GPS for more accurate GPS tracking in challenging environments. You can even import GPX routes from sites like Strava and Komoot. The GTR 4 takes a more holistic approach to health, trading in steps for PAI points to gauge whether you’re getting the recommended 150 minutes of moderate activity per week.
For smart features, the GTR 4 has all the basics: push notifications, quick text replies on Android, alarms, timers, and the ability to make and take calls over Bluetooth. The only thing the GTR 4 is really missing is contactless payments, but it more than makes up for it, given the expansive feature set and battery life. It lasts about 10–14 days on a single charge with normal use and about a week with heavy usage. It may not have the brand recognition of a Fitbit, but since Google nerfed both the Versa 4 and Sense 2, you might want to overlook that. Plus, the GTR 4 doesn’t have thick bezels like either of those watches. Watchfaces on the OLED display are crisp, and animations are smooth. When you consider that Amazfit watches are often on sale, it’s a no-brainer.
Read my full review of the Amazfit GTR 4 here.
Best fitness watch for casual users
$250
The Garmin Venu Sq 2 is a great replacement for a Fitbit smartwatch. Not only do they look similar, but the Venu Sq 2 has way more fitness features, long battery life, and no subscription.
Sizes: 40mm w/ 20mm straps / Weight: 38g / Battery life: Up to 11 days / Display type: OLED touchscreen / GPS: All-systems GNSS / Connectivity: Bluetooth, Ant Plus / Water resistance: 5ATM / Music storage: 4GB (for Music Edition)
The $250 Garmin Venu Sq 2 is the watch I recommend for anyone looking to replace their aging Fitbit Versa 2, 3, or 4. It’s got a similar look and vibe, with a much nicer OLED display and longer battery life.
Garmin is known for its comprehensive fitness tracking, and that’s not an exception here. Of course, you get the basics, like steps and calories burned, but you get a whole lot more, too. There’s built-in GPS for tracking walks, runs, and bike rides, as well as plenty of other sports profiles like yoga and strength training. For smart features, you get push notifications, timers, contactless payments, and a bunch of safety features like Garmin’s Incident Detection, which is its take on fall detection. (You will need to carry your phone with you, however, as this doesn’t have LTE.)
If you want the option of onboard music, you can shell out $50 extra for the Music Edition, which comes with enough storage for about 500 songs. I wouldn’t recommend it, however, as you’ll most likely have your phone on you since this isn’t a true standalone watch.
What I like most about this watch, however, is it’s one that you can grow with. On top of recovery metrics and sleep tracking, it also has Garmin Coach — a built-in, free training program for beginner and intermediate-level runners hoping to tackle a 5K, 10K, or half marathon. For health tracking, you can monitor heart rate, blood oxygen, intensity minutes (how many minutes of moderate exercise you get per week), stress, hydration, respiratory rate, and menstrual cycles. And the best part is Garmin doesn’t lock any of this behind a paywall.
One note: there is a Venu 3, which adds a newer heart rate sensor and nap detection. I liked it quite a bit, and it ticks off a lot of the right boxes — except for price. It’s $450, which puts it outside what I’d consider ideal for casual users. The other option is Garmin’s Forerunner 165 — it’s a $249 budget training watch that’s quite similar to the Venu Sq 2 feature-wise, albeit with a sportier vibe. Basically, go with what you find on sale. I firmly believe older models are still a good choice if all you want is the fitness-tracking basics. This is especially true since newer software updates often make their way to older Garmins. Garmin users also tend to hang onto their devices for a good while. Strava’s 2023 year-end survey found that the most popular smartwatch among its users was an eight-year-old Garmin!
Read my full review of the Garmin Venu Sq 2.
Best for serious outdoor athletes
$800
Like the Garmin Epix Pro, the Fenix 7 Pro line has an updated optical heart rate sensor for improved accuracy. It also has excellent battery life, a slightly brighter MIP display, solar charging, and the option of upgrading to sapphire crystal.
Sizes: 7S Pro: 42mm w/ 20mm straps; 7: 47mm w/ 22mm straps; 7X: 51mm w/ 26mm straps / Weight: 7S Pro: 63g (Solar), 58g or 65g (Sapphire Solar, titanium or stainless steel); 7: 79g (Solar), 73g (Sapphire Solar); 7X: 96g (Solar), 89g (Sapphire Solar) / Battery life: 7S: up to 11 days, 14 w/ Solar; 7: up to 18 days, 22 days w/ solar; 7X: up to 28 days, 37 w/ solar / Display type: MIP touchscreen / GPS: All-systems GNSS and dual-frequency GPS / Connectivity: Bluetooth, Ant Plus, Wi-Fi / Water resistance: 10ATM / Music storage: Up to 32GB
Garmin’s flagship Fenix 7 series is no joke, and the Fenix 7 Pro lineup takes it up a notch. It’s got built-in multiband GPS, solar charging on all models, the option of touchscreen or button navigation, topographical maps, and oodles upon oodles of data. Plus, every Fenix 7 Pro model has a hands-free LED flashlight, an upgraded heart rate sensor, and an improved memory-in-pixel display that’s slightly easier to read in low lighting.
Garmin wearables are also known for providing extensive in-depth metrics, and the Fenix 7 Pro lineup is no exception. You get excellent recovery metrics as well as helpful training guides and coaching programs. The best part is that Garmin doesn’t charge extra for those features. That’s good news, as these are expensive watches.
I appreciate how quickly these Fenix 7 watches can pick up a GPS signal. That’s a must if you’re training in the dead of winter. These watches can also take a beating. All models are built to military-grade standards and feature up to 10ATM of water resistance. That means they’re more than capable of a dunk in the ocean.
Although the screen is brighter, MIP displays still aren’t my absolute favorite — the OLED on the Garmin Epix 2 and the Epix Pro are much easier on the eyes. It’s admittedly tough to pick between the Fenix 7, Fenix 7 Pro, Epix 2, and Epix Pro lineups — especially now that the Epix Pro also has great battery life, the LED flashlight, and now comes in multiple sizes. What it boils down to is whether you prioritize a brighter display, longer battery life, or price.
Personally, I prefer the Epix Pro for better readability, but the Fenix 7 Pro is the better choice if this is your first introduction to Garmin’s platform. You’ll get better battery life, the same LED flashlight, all the same training features, and a lower starting price. (You can also check out our Garmin buying guide if you’d like even more alternatives.)
Technically, there’s a new Fenix 8 series on the block. That said, I still think the standard Fenix 7 or 7 Pro lineup is the better overall value. The Fenix 8 adds diving features and voice assistant capabilities, but it also ups the standard Fenix 7’s starting price of $650 by an additional $350. That’s tough to swallow, especially since holiday season is upon us and retailers may offer discounts on older models to get rid of existing inventory.
Read my full review of the Garmin Fenix 7S Pro.
Best non-wrist tracker
$349
The Oura Ring 4 has a new all-titanium design, improved battery life, and better accuracy thanks to a new sensor algorithm.
Sizes: 12 proprietary sizes, 4–15, sizing kit needed / Weight: 4–6g (depends on size) / Battery life: Up to seven days / Display type: None / GPS: None / Connectivity: Bluetooth / Water resistance: Up to 328 feet / Music storage: None
The vast majority of fitness trackers are worn on the wrist, but the $349 Oura Ring isn’t. The smart ring is a good option for people who are looking for something a little more discreet. It’s also less distracting than some other wrist-based options, as it lacks a screen and doesn’t mirror push notifications from your phone.
The new Oura Ring 4 isn’t functionally that much different from the previous Gen 3. It’s slimmer, features a new all-titanium design, has improved battery life, and has a new sensor algorithm that Oura says is more accurate. None of the new software features are gatekept to the Ring 4, so Gen 3 owners shouldn’t feel the need to upgrade unless their ring no longer lasts more than two days on a single charge. That said, the fourth-gen ring has an expanded size range spanning from 4 to 15. If you felt your Gen 3 was a bit snug or couldn’t find a size that fit right, you may have a better option now.
While smaller than your average wearable, the Oura Ring still tracks a ton of metrics, including heart rate variability, body temperature, blood oxygen, all-day heart rate monitoring, and cycle tracking. Since launching, the Oura Ring has also added activity tracking, blood oxygen levels, chronotypes to help visualize your circadian rhythms, a social feature called Circles, improved stress tracking, cardiovascular age and capacity metrics, and even an AI chatbot (in beta). It’s also rolled out a new sleep stages algorithm that it claims is more accurate than before. The app has also been entirely revamped to better organize all these new features and metrics.
The Oura Ring tracks typical metrics — such as steps and calories burned — but its main focus is sleep and recovery. Each day, you’re given three sets of scores for your readiness, sleep, and activity. It’s a simple, holistic look at your overall wellness and an ideal pick if you want a more hands-off experience with your data.
$299
The Oura Ring Gen 3 is a discreet sleep and recovery tracker that tracks heart rate, body temperature, and activity. It comes with a six-month free trial, with a $5.99 subscription after that.
If you’ve got a Samsung Galaxy Watch, you may want to consider the $399.99 Galaxy Ring. It’s a bit more expensive than the base Oura Ring, but it doesn’t come with a subscription, and you get much better battery life when used with the Galaxy Watch. The hardware is also excellent, especially the charging case. That said, this is only an option for Android users, and even then, you don’t unlock its full potential unless you’ve got other Samsung gear. I also recommend the Ultrahuman Ring Air for folks who don’t like the idea of Oura’s monthly subscription.
You can read my experiences with a bunch of other smart rings, but right now, the Oura Ring is the most polished with the best overall experience. If you don’t mind a last-gen model, my pro tip is to get the Gen 3. Oura will be looking to get rid of inventory, so it’s likely you’ll be able to snag a good discount while supplies last.
Read my full review of the Oura Ring 4.
Best fitness band
The Amazfit Band 7 is an unassuming, basic fitness tracker with a bright OLED display, long battery life, and an incredible feature set for the price. Read our review.
Size: 42mm x 24mm x 12.2mm with 16mm straps / Weight: 28g / Battery life: Up to 18 days / Display type: OLED / GPS: Tethered / Connectivity: Bluetooth / Water resistance: 5ATM / Music storage: None
It’s truly hard to beat the Amazfit Band 7’s $49.99 price — doubly so since you can often find it on sale for even less. Wearing the Band 7 feels like a throwback to 2014, which is great if all you’re looking for is a simple and casual tracker that won’t break the bank.
No one is going to compliment you on the Band 7’s design, but it’s got a handful of cute watchfaces that make good use of its OLED touchscreen. And despite having an OLED display, you’ll still get roughly 14 days of battery life on a single charge. It’s also incredibly lightweight, making it a good option for sleep tracking as well.
You also get an absurd number of features for the price. That includes Amazon Alexa, continuous heart rate monitoring, blood oxygen monitoring, stress tracking, advanced sleep tracking, training metrics like VO2 max and load, abnormal heart rate alerts, menstrual tracking, push notifications, find my phone, a camera remote, and even a Pomodoro timer. You’re sacrificing contactless payments and will have to settle for tethered GPS, but this is a fair tradeoff considering everything else you’re getting. It’s not the best option for hardcore fitness tracking, but this is a great option if all you’re looking to do is casually track activity and your steps.
Amazfit’s been making surprisingly good budget trackers for a while. That said, if you’re a little wary of a lesser-known brand, the $159.95 Fitbit Charge 6 is a decent alternative. It’s pricier, but you get a lot of what Amazfit is missing. That includes Google services like YouTube Music, Google Wallet, and Google Maps. Plus, it has built-in GPS and the ability to broadcast your heart rate with some Bluetooth-compatible gym equipment.
Read my full review of the Amazfit Band 7.
Most stylish fitness watch
$250
The Withings Scanwatch Light is a hybrid analog smartwatch that tracks the basics like steps and activities, while delivering up to 30 days of battery life.
Sizes: 37mm with 18mm straps / Weight: 45g / Battery life: Up to 39 days / Display type: OLED display / GPS: Tethered GPS / Connectivity: Bluetooth / Water resistance: 5ATM / Music storage: N/A
The $249.95 Withings ScanWatch Light is a fetching hybrid analog smartwatch. Think of it as a dressier fitness band with some Swatch-like design sensibilities. It’s got all your basics like simple push notifications, timers, and alarms. Plus, you can track steps, sleep, menstrual cycles, and GPS activities straight from the wrist. It looks spiffy on the wrist, and if you like a pop of color, Withings offers minty green and pale blue color options. It’s also got excellent battery life, with an estimated 30 days on a single charge. I got a little less in testing at around 25 days, but that’s still much better than the vast majority of flagship smartwatches. This also looks way more stylish than beefier multisport watches with similar battery life.
As its name suggests, the Light is a pared-down version of the $349.95 ScanWatch 2. The main things you’re missing are an EKG sensor for atrial fibrillation detection, a temperature sensor, blood oxygen tracking, and an altimeter for tracking elevation. For basic fitness tracking, you don’t really need those sensors. That’s why I think the extra $100 in savings is worth it for the Light, especially since both are lacking in safety features, contactless payments, and some other bells and whistles you can get from other watches in the $350 price range. That said, if you want extras, the ScanWatch 2 also gets you a slightly more elegant look thanks to the second step-counter dial.
Another option I like is the $179.99 Garmin Vivomove Sport, which actually dominated this category in the past few years. It’s hard to beat the price, especially since it gets you access to Garmin’s platform. However, Garmin’s “hidden” OLED display can get washed out in bright lighting, and battery life was significantly shorter than other hybrid analog watches at around five days. Still, if you’d rather a platform with a focus on fitness rather than wellness, the Vivomove Sport may be the better move over a Withings watch.
Read my full review of the Withings ScanWatch 2 and Light.
Best fitness tracker for iPhone users
The Apple Watch Series 10 has a larger, wide-angle OLED display with up to 30 percent more screen area. It’s also thinner and lighter than its predecessors.
Sizes: 42mm, 46mm / Weight: 29.3g (42mm), 35.3g (46mm) / Battery life: Up to 18 hours / Display type: Always-on LTPO OLED / GPS: Built-in GPS, plus GLONASS, Galileo, QZSS, Beidou / Connectivity: LTE (optional), Bluetooth, Wi-Fi / Water resistance: Up to 50 meters / Music storage: 32GB
If you’re looking for a smartwatch that does fitness well, then iPhone owners need to look no further than the $399 Apple Watch Series 10. (The LTE version costs $50 more.) This is another year of iterative updates, but the Series 10 is a much more comfortable watch than in years past. It’s thinner and lighter, plus there’s a larger display. If you’ve got a Series 5 or older, now is a good time to upgrade.
With watchOS 11, there’s a new suite of training features. There’s Training Load, which gives you greater insight into how intensely you’ve been working out the past week compared to the last 28 days. There’s also a new Vitals app that flags when key metrics, like sleep duration or heart rate, may be out of whack. Plus, you can finally pause your rings for rest days. The software update also brings some savvy updates to the Smart Stack. For example, if you’re in a noisy cafe wondering what song’s playing, the Smart Stack can now surface the Shazaam widget. It also now supports Live Activities, turning your wrist into a mini Dynamic Island. Health-wise, we also now have FDA-cleared sleep apnea detection.
Of course, we also have to address the Apple Watch ban. As of January 18th, 2024, new Apple Watches sold in the US have the blood oxygen feature disabled due to an ongoing patent battle with medical device maker Masimo. This isn’t a huge deal for most people, as this feature isn’t that useful for most people yet, and the new sleep apnea feature exclusively uses the accelerometer rather than the blood oxygen sensor. You might want to consider a refurbished Series 7 or 8 if blood oxygen sensing is important to you, however.
If you’re a first-time buyer, you can also opt for the second-gen Apple Watch SE. It’s slightly cheaper at $249, and while you don’t get as many features, it’s a good introduction to the ecosystem. Otherwise, if you’re the type of athlete who covets a Garmin, you may also want to consider splurging on the Apple Watch Ultra 2. It’s more expensive at $799, but it does have the brightest screen of any Apple Watch, comes with dual-frequency GPS, has diving and hiking safety features, and is made of more durable materials. There’s also a fetching new black color.
Read my full review of the Apple Watch Series 10.
Best fitness smartwatch for Samsung phones
The Samsung Galaxy Watch Ultra is targeted at more outdoorsy folks with dual-frequency GPS, a new multisport activity, an emergency siren, and increased durability.
Sizes: 47mm / Weight: 60.5g / Battery life: Up to 100 hours / Display type: Always-on OLED / GPS: Built-in GPS / Connectivity: LTE (optional), Bluetooth, Wi-Fi / Water resistance: 10ATM, IP68 / Music storage: 32GB
Truthfully, the Samsung Galaxy Watch Ultra left me a bit disappointed after reviewing it — not because it’s a bad piece of hardware, but because it copies a bit too much from Apple. Even so, this is the most full-featured fitness smartwatch a Samsung phone owner can buy.
While I prefer the Galaxy Watch 7 myself, I can’t say it’s the best for fitness tracking. There was too much of a gap between it and the Ultra in my testing as far as accuracy, especially for GPS tracking. But what really sealed the deal for me was the difference in battery life. It’s simply night and day, and the Galaxy Watch 7 really struggled in this arena. (The gaps are much less egregious between the base Apple Watch and Ultra 2.)
The caveat is, if all you want is casual fitness tracking, the Galaxy Watch 7 is the better choice for wearability. It’s just more comfortable for sleep tracking and lighter overall. Just keep in mind it lacks the Ultra’s emergency siren and shortcut button, and the screen doesn’t get quite as bright.
With both watches, you get a faster processor, a new 3-in-1 BioActive Sensor, some AI health features, and FDA-cleared sleep apnea detection. The newer hardware makes for a more futureproof purchase, but I found the AI health features to be hit-or-miss in practice. As always, some features, like EKGs and sleep apnea detection, are limited to Samsung owners. That makes this hard to wholeheartedly recommend this to non-Samsung Android users.
The Galaxy Watch 7 adds a faster processor and a new 3-in-1 BioActive sensor. It’s an iterative update, but it’s more comfortable for sleep tracking than the Galaxy Watch Ultra.
But if the Ultra doesn’t float your boat, now is a good time to find the Galaxy Watch 6 series, particularly the base models, on sale. The base Galaxy Watch 7 may have newer hardware, but as far as actual use goes, it’s not a massive update over last year. And if you’re into a physical rotating bezel, just go ahead and snag a Galaxy Watch 6 Classic.
Read my full review of the Samsung Galaxy Watch Ultra.
Best fitness smartwatch for Android
$400
The Pixel Watch 3 now comes in a 45mm version that offers more visible screen area. It adds a ton of new Google integrations and new health features like Cardio Load and custom running workouts.
Sizes: 41mm, 45mm / Weight: 31g / Battery life: Up to 24 hours / Display type: Always-on OLED / GPS: Built-in GPS / Connectivity: LTE (optional), Bluetooth, Wi-Fi / Water resistance: 5ATM / Music storage: 32GB
With the Pixel Watch 3, Google is finally done playing catch-up.
There are truly too many updates to call each one out individually, but overall, they fall into two buckets: refinement and expansion. The hardware is mostly the same as last year’s Pixel Watch 2 in terms of design. However, we now have a brighter screen, smaller bezels, and a new 45mm size. The larger size is quite nice, especially if you prefer larger screens without sacrificing wearability.
Battery life is also better. There’s a new battery-saver mode that kicks in when you hit 15 percent and the new displays are also more power efficient. Plus, bedtime mode is automatic now, so that helps the watch last longer overnight for sleep tracking. It’s only a modest improvement over the Pixel Watch 2, but it’s dramatic compared to the original.
Software is where the Pixel Watch 3 makes the most updates. There are a ton of new fitness and health features, including a new running dashboard, custom running workouts, and AI-generated workout suggestions. There’s also a revamped Daily Readiness Score and a new Cardio Load metric, which gauges how intensely you’ve been exercising. For European users, you can also get the new Loss of Pulse feature, which calls emergency services on your behalf if it detects you no longer have a pulse. Unfortunately, this isn’t available stateside, as it hasn’t yet received FDA clearance.
The Pixel Watch 3 also better integrates with Google services and the Pixel ecosystem. You can now view your Nest Doorbell or Camera feed straight from the wrist — and it’s quite handy if you get a lot of packages or guests. If you have Google TV, you can use the watch as a remote. Now that the watch has an ultra wideband chip, it can also now unlock your Pixel phone. You can also use the Recorder app to capture audio and send it straight to your Pixel phone.
That said, some of these features now mean the Pixel Watch works best with a Pixel phone. If you’re looking for alternatives to Google and Samsung, the $299.99 OnePlus Watch 2 is a strong alternative. You’re giving up LTE, but it’s a handsome-looking watch with surprisingly long battery life and Google Assistant from the get-go.
Read my full review of the Google Pixel Watch 3.
Best for early adopters and elite athletes
$239
This distraction-free recovery tracker helps you monitor your sleep quality and cardiovascular strain. The hardware is “free,” but it costs $30 per month.
Sizes: 43mm by 28mm by 10mm / Weight: 18g / Battery life: 4–5 days / Display type: None / GPS: None / Connectivity: Bluetooth / Water resistance: Up to 10 meters / Music storage: None
The Whoop 4.0 is not for the casual enthusiast. Not only does it come with an expensive monthly subscription, but the information it provides is only useful if you’re actively training for a cardio-intensive sport. If strength training is your main form of exercise, you’re better off looking elsewhere. Like the Oura Ring, this is a distraction-free tracker that specializes in sleep and recovery. The main difference is this has a more athletic bent. For instance, you’ll get way more insight into how much strain you’ve taken on in the past week.
Whoop also provides a lot of novel ways to wear its tracker, including in underwear and arm/knee sleeves. This makes it an appealing option if you’re one of those unicorns who needs a secondary tracker to supplement another form of fitness tracking. Again, this is a tracker best appreciated by people who go hard and aren’t afraid to experiment. Plus, Whoop recently lowered its subscription prices in certain tiers, so while it’s still expensive, it’s not quite as pricey as it used to be.
Read my full review of the Whoop 4.0.
Update, October 21st: Adjusted pricing and availability.
Technology
Amazon’s Echo Hub gets a customizable new look and Ring’s AI features
Amazon’s rolling out a free software update for Echo Hub devices that gives the home screen a much-needed update to the interface it launched with in 2024. It had already added Alex Plus AI support, but the new interface has a cleaner, fully customizable layout that fits more smart home info and controls on the screen than the previous version.
The Echo Hub is also getting access to Ring AI’s Video Search feature that lets you use natural language to search through your smart home camera footage, as well as Alexa Plus summaries of detected camera events.
These are the five new features Amazon highlighted for the Echo Hub:
Organize by r …
Read the full story at The Verge.
Technology
Grandparents are identity theft’s biggest payday
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The FBI calls it a “distress scam.” It is also known as a grandparent scam. The scam works by making an older adult believe a grandchild is in serious trouble and needs money right away, often before a court date or legal deadline. Victims reported more than $5 million in losses to this type of fraud in 2025. The FBI’s Internet Crime Complaint Center also noted that reported losses likely show only part of what scammers actually stole.
The Federal Trade Commission found in August 2025 that some of the fastest-growing scams targeting older adults use fear and urgency to override good judgment. A caller may claim your bank account was hacked and say you need to move your money immediately to protect it. However, the money does not move to safety. It goes straight to the scammer.
HOW TO HAND OFF DATA PRIVACY RESPONSIBILITIES FOR OLDER ADULTS TO A TRUSTED LOVED ONE
AI voice-cloning tools have made these scams even more convincing. Scammers can use a birthday video, voicemail or social media clip to mimic a grandchild’s voice. Then they place the call. The voice sounds familiar, the emergency feels real and the request for bail money seems urgent. The FBI counted $352 million in AI-related scam losses among victims 60 and older this past year.
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Scammers are using stolen personal data, AI voice cloning and urgent phone calls to trick grandparents into sending money. (ljubaphoto/Getty Images)
What makes grandparents worth targeting
The same three pieces of data are required for identity verification at most banks, brokerages, pension recordkeepers, and Medicare: date of birth, last four digits of a Social Security number, and a current mailing address. For most people in their sixties and seventies, all of those accounts are open.
Those three fields have turned up in breach after breach. The Conduent Business Services breach pulled names, SSNs, dates of birth, and home addresses for more than 25 million Americans from systems that process Medicaid records and employer health plans. Texas Attorney General Ken Paxton called it the largest data breach in U.S. history in February 2026.
Americans between 65 and 74 held a median net worth of $409,900 in 2022, according to the Federal Reserve’s Survey of Consumer Finances, more than ten times the median for adults under 35. The FBI found average losses of approximately $38,500 per victim among Americans 60 and older in 2025, nearly double the figure for younger filers.
Why elder fraud losses are often underreported
Older adults reported $2.4 billion in fraud losses to the Federal Trade Commission in 2024. However, the FTC’s December 2025 report to Congress estimated that real losses may have reached $81.5 billion that year. Most cases likely went unreported.
That gap makes identity theft harder to stop. A fraudulent wire from a pension account may never alert a bank. A new credit account opened with stolen information may not reach the victim until it appears on a credit report. By then, weeks may have passed since the application was approved.
Account protections worth setting up
Scammers move fast, so it helps to set up account protections before anything goes wrong. These steps can give banks, brokerage firms and family members more ways to spot trouble early.
1) Add a trusted contact to brokerage accounts
Brokerage accounts have a protection option many account holders never activate: a trusted contact designation. Under FINRA Rule 4512, brokerage firms must ask for a trusted contact when you open or update an account. A trusted contact can be a family member, attorney or accountant. The firm can contact that person if it suspects financial exploitation or cannot reach you. However, that person cannot trade, withdraw funds or view your account balances. FINRA, the SEC and the North American Securities Administrators Association asked investors in August 2025 to contact their firm and add one. You can name more than one trusted contact. You can also change the designation at any time.
SOCIAL SECURITY ADMINISTRATION PHISHING SCAM TARGETS RETIREES
Families can help protect older adults by adding trusted contacts, verifying urgent calls and blocking online Social Security changes. (Kurt “CyberGuy” Knutsson)
2) Ask about holds on suspicious withdrawals
Under FINRA Rule 2165, brokerage firms can place a temporary hold on disbursements when they reasonably believe financial exploitation may be happening. That hold can last up to 55 business days. In January 2026, FINRA proposed extending the window to 145 business days. Ask any firm holding a pension, brokerage or annuity account about its policy on disbursements after an address change.
3) Verify urgent calls before sending money
When a caller claims a grandchild is in trouble or a federal agent needs immediate action, hang up. Then call back using a number you already have, not the number in the message. The FTC found that 41% of older adults who reported losing $10,000 or more to impersonation scams in 2024 said a phone call was the initial point of contact. That makes one simple habit especially important: verify the story before you act.
4) Block online changes to Social Security
Social Security lets you block electronic and automated telephone access to your account record. Once blocked, no one can change your direct deposit information or mailing address online or through the automated phone system. After that, any changes must go through a live SSA representative at 1-800-772-1213 or a field office visit. FINRA also operates a free Securities Helpline for Seniors at 844-574-3577, Monday through Friday, 9 a.m. to 5 p.m. ET.
Identity theft recovery is harder on your own
Even strong account protections may not catch every scam attempt. That is why identity theft monitoring and recovery support can help families respond faster when personal information gets exposed or misused.
Some identity theft protection services monitor dark web marketplaces, data broker sites and people-search sites for exposed Social Security numbers, addresses and other personal information. If fraud happens, recovery support may help contact creditors, file disputes with the three credit bureaus and organize the documentation needed to restore an identity.
OUTSMART HACKERS WHO ARE OUT TO STEAL YOUR IDENTITY
Older Americans remain prime targets for identity theft because scammers can exploit exposed Social Security numbers, birth dates and addresses. (Kurt “CyberGuy” Knutsson)
Some plans also include identity theft insurance for eligible recovery costs, such as lost wages and legal fees.
No service prevents every misuse of an older adult’s identity. However, family monitoring and fraud resolution can shorten the time between when theft happens and when you or someone in your family acts on it.
See my tips and best picks on Best Identity Theft Protection at Cyberguy.com
Kurt’s key takeaways
Grandparents have become a prime target because scammers know where the money is and how to create panic fast. A familiar voice, a stolen Social Security number or a fake emergency can turn one phone call into a devastating loss. The best defense starts before the call comes. Add trusted contacts to financial accounts, block online Social Security changes, verify urgent requests through a number you already know and talk openly with family about scam warning signs. Identity theft protection can also help spot exposed personal information and speed up recovery if fraud happens. No family can stop every scam attempt. However, a simple plan can give older adults more time, more backup and a better chance of keeping their money safe.
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Technology
A warrantless wiretap law is about to expire — but surveillance networks aren’t actually ‘going dark’
Congress has failed to pass a three-week extension of Section 702 of the Foreign Intelligence Surveillance Act (FISA), with the House voting 218-198 against reauthorizing the controversial warrantless wiretapping authority through July 2nd. After a short-term extension earlier this year, the spying program now appears set to lapse for at least a week. This is the nightmare scenario FISA’s proponents have been warning about — but it doesn’t actually mean the US has lost its surveillance capabilities.
Proponents of a clean extension claim a lapse will hinder intelligence agencies’ efforts to thwart potential terrorist attacks, with surveillance networks “going dark”. Sen. Tom Cotton (R-AR) stressed the importance of reauthorizing Section 702 ahead of the World Cup. House Speaker Mike Johnson (R-LA) has said even a brief lapse would be disastrous. “Democrats in the Senate are playing political games right now with the lives of Americans,” he told reporters Wednesday. “It’s a very dangerous situation.”
In March, the FISA court recertified surveillance under Section 702 until 2027. The Brennan Center for Justice notes that a lapse won’t allow telecom companies to flout requests to hand over communications information to the NSA and other spy agencies. In 2008, after Yahoo failed to comply with a Section 702 request during a lapse, the FISA court ruled that the directives issued under Section 702 are effective while the certification is in place — even in the event of a lapse.
“The phrase ‘going dark’ is significantly misleading,” Andrea Sawka Fiegl, the senior policy director for media and technology at Common Cause, said on a Tuesday press call. Fiegl added that companies don’t choose whether they participate in surveillance under Section 702. If they don’t comply after being served with a directive, they face fines starting at $250,000 a day.
“The ‘going dark’ framing is basically a pressure tactic designed to strip Congress of its leverage to negotiate reforms by creating this false binary,” Fiegl said. “There is ample time for Congress to consider and pass reforms.”
Among those reforms are a warrant requirement for queries involving US persons, including so-called “backdoor searches” in which intelligence agencies identify a foreign target with ties to a US person, and then search that person’s communications, thus granting them access to their desired US target. Reformers also want to prohibit intelligence agencies from buying Americans’ data from private brokers to get around warrant requirements.
“Every day that Section 702 is in effect without reforms is a day that Americans’ rights are under threat,” Sen. Ron Wyden (D-OR) said in a statement Wednesday night, after Senate Republicans blocked his request for a five-week extension of Section 702 with new transparency requirements. “If there is going to be an extension of these authorities, there needs to be some guardrails or at least some transparency that would allow Congress and the American people to understand the abuses that have taken place and the need for reforms.”
Though President Donald Trump and Republican leaders in both chambers have called for a clean reauthorization of Section 702, there’s bipartisan appetite for reform — and a handful of Republican holdouts stand in the way of a clean reauthorization. Most Democrats — even some who have supported reauthorization in the past — have objected to a clean extension due to Trump’s appointment of Bill Pulte as acting director of national intelligence.
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