It’s getting harder and harder to prove who I am. I would have thought, by now, that I didn’t have to convince anyone about who I am. I mean, I’ve been in the same house for over 20 years. I have adult children who could, if pressed, pick me out of a lineup. I even have a dog who rarely barks at me when I show up at the door after running an errand. But recently, my ability to convince someone that I was actually me was put to the test.

First I’d like to make it very clear — I do not blame anyone for how hard it is to prove your identity. I get that there are many nefarious people out there who want to pretend to be someone. Not me, frankly, but someone with a lot more net worth and a sparkling new car. Still, it doesn’t matter if I’m an attractive target. What matters is we’re all targets, and financial institutions have had to get creative to confirm our identity.

Winter Prosapio is a writer, a wife, and a working mom of two girls, two cats, and one ridiculously enthusiastic terrier mix.

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