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Venmo and other similar apps aim to make your life easier by allowing you to quickly send money to your friends and family. With just a few taps, you can pay back your friend for lunch and get reimbursed for movie tickets. You can also easily send money back to your bank account almost instantly. But with all this convenience a question remains: how secure are these services?

In order to use Venmo, you have to connect an active debit or credit card. If you want to be able to deposit your Venmo balance into your bank account, you'll need to connect it to the app. This is usually done by entering your routing and account number. This is obviously very sensitive information that you definitely don't want getting out anywhere. Serious security concerns surfaced for Venmo in February 2015. Many users reported fraudulent charges on their Venmo account, but the company was slow to respond to complaints — if at all.

Venmo promises “bank grade" encryption to protect users' accounts. However, in the past, Venmo failed to alert users if their password or email was changed on their account, or even if their account was accessed on an unauthorized device. This made it all too easy for someone to hack in and transfer money to themselves in seconds. The app does now offer two-factor authentication to make accounts more secure, but there's no foolproof way to prevent fraud.

Venmo.com

In 2015, Venmo did not even have a customer service call line and all queries were sent through email. Now, the company has a phone number for complaints and concerns, but it is only open from 10 a.m. until 6 p.m. and is closed on major holidays. For comparison, most banks can receive customer calls every single day of the week and during morning and evening times outside of regular business hours. However, Venmo users can also chat with customer service 24 hours a day during the week through the app. Most banks don't have this option.

To be fair, Venmo does not advertise or function as a banking service. However, it does handle sensitive financial information and, therefore, easy contact and timely responses are essential. Banks are very good at handling fraud claims as they have entire departments set up for it. Venmo is still a relatively small company. Although communication and points of contact have gotten better, there is plenty of room for improvement.

In the past, Venmo required that customers contact the company within two business days of discovering a potential fraudulent charge, or else their liability would shoot up from $50 to $500. However, the current policy is to contact Venmo within 60 days for any unauthorized transaction to receive 100 percent protection. After those 60 days, you might not be able to recover any funds from Venmo.

The moral of the story is to be cautious and wary. To protect yourself, avoid providing your account number. You won't be able to send money from Venmo to your bank, but if you plan on using the app a lot for small transactions, that shouldn't be a problem. You can still send money with a debit card with no added fees. For extra protection, link a credit card instead. There will be a 3 percent transaction fee to send money – but you'll also have a higher amount of protection under credit card fraud if someone gains access to your account. In the end, if you truly don't trust Venmo, don't use it.

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I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.

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Quiet Quitting is the latest trend among Gen-Z TikTok that encourages setting boundaries at work

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Toni Morrison has an anecdote about her first ever job, which was cleaning some neighborhood woman’s house. The young Toni arrived home after work one day and expressed her troubles to her father. But he didn’t provide the sympathy she expected. Instead, he gave her something better — his advice:

“Listen. You don’t live there. You live here. With your people. Go to work. Get your money. And come on home.”

Years later, she wrote about this remarkable experience for the New Yorker and said, in hindsight, this is what she learned:

1. Whatever the work is, do it well—not for the boss but for yourself

2. You make the job; it doesn’t make you

3. Your real life is with us, your family

4. You are not the work you do; you are the person you are

What Morrison so eloquently articulated was setting boundaries. I revisited this piece during the pandemic when working from home ramped up in earnest. Back when work was one of the few things that anchored my day.

Without a physical office, the pandemic shattered the work/life balance for many people. There was no more of that physical separation that Morrison talked about. There is no coming home from work physically. There is no real life to come back to — just a manufactured commute to your laptop in your makeshift home office.

But, par for the course, Gen Z are navigating this boundaryless era using TikTok. While internet gurus promote hustle culture and constant online availability since you’re not getting face time with your managers, there’s a trend in town — “quiet quitting.”


@zaidleppelin On quiet quitting #workreform ♬ original sound - ruby


The trend arose from the depths of the pandemic. Layoffs, salary cuts, and furloughs proved that their employers did not care about their hard-working employees.

The Washington Post dubs quiet quitting as a fresh trem for an old phenomenon: employee disengagement. In many cases, it’s a response to burnout. For much of Gen Z, it’s a way of establishing healthy boundaries in the office and resisting the pressure of the rat race. After all, why work yourself to the bone for a company that just proved it’s ready and willing to let you go?

Despite the term’s negative connotations, Quiet Quitting can provide an empowering shift in thinking for employees.

For far too long, employees have been indoctrinated with a slew of toxic workplace advice. Faced with these old misconceptions and lacking job security or clear paths for advancement, Gen Z is untethering their identities from work.

Quiet quitting — therefore — might be a bit of a misnomer. These employers aren’t completely disengaged. They’re certainly not launching Flight Club-esque sabotage attempts on their employers. NO. Contrary to media panic, Gen Z understands the value of a job — the fickle market they entered ensured that. But they also understand the value of life.

They’re doing what they’re being paid for. Nothing more, nothing less.

According to Chief, a private membership network focused on connecting and supporting women executive leaders, older generations should learn from this approach.

“Gen Z has already endured the largest seismic shifts to the career landscape than any previous generation, having started their careers in the middle of a pandemic that changed office culture forever and a gig economy that makes piecing together work more viable. They’re taking both those realities and therefore demanding more autonomy and flexibility than any other generation.”

Gen Z are less attached to job titles and statuses. They’re more concerned about their lives. Sure, this can lead to problematic outlooks on money and experiences — see the “I can earn my money back” TikTok trend. But it’s better than hustling for no reward. Besides, as some Gen Z-ers put it on TikTok, the office isn’t even a vibe.

“With the ability to work from anywhere and for more than just one place, Gen Z-ers are forging their own paths that don’t rely on old patterns set by previous generations and are redefining what “career success” looks like. Gen Z can take note, as more and more leaders are similarly pursuing multiple income streams of their own through the form of a portfolio career. The way in which work looks like and where it happens is evolving.”

With less single-minded focus on one job, some TikTok business gurus advocate shutting your laptops precisely at 5 pm. And then jump onto your side hustle. Do nails or lashes on the weekend. Become social media managers for your phone. Sell soap on Etsy (again … perhaps not in the Fight Club way).

But this valorization of side hustles is not about hustle culture, either. They say job security isn’t guaranteed. Learning new skills and develop an alternate income stream/s to keep you afloat. Just make sure you’re not left in the lurch. BTW inflation is here. So every little bit helps.

But where do you start? Watching TikToks can only get you so far. Try a course on LinkedIn Learning to sharpen up your skills and learn new ones that you can turn into a verifiable side hustle — or leverage in your job search if quiet quitting leads to … real quitting.

Learn on your own time with bite-sized videos or in-depth courses. Watch them after work, before you clock in, or on your lunch break. Then, after your courses are complete, you’ll have certificates prominently displayed on your profile that prove your skills.