Money Management for College Students

Starting December 16, 2025, Meta will begin using what you say or ask in Meta AI chats to personalize what you see on Facebook and Instagram.

• Example: If you ask Meta AI for hiking tips, you may start seeing more hiking posts or ads.
• Meta says it will not use AI chats about sensitive topics such as politics, religion, or health.
• Users will begin receiving notifications about this change in October.

What This Means for You

Your social media experience may start to feel more personalized, but it also means Meta will collect and analyze more information about your interests based on your AI conversations.

Possible Risks

• Less Privacy: Your AI chats could influence what ads or posts you see. Even if Meta says it is not reading your full conversations, it is still learning from them.
• Unintended Targeting: You may start seeing ads or content you did not expect, based on what you mentioned to Meta AI.
• Misunderstandings: If the AI misinterprets what you say, it could lead to inaccurate suggestions or assumptions about your interests.
• Data Sharing Concerns: More information about you increases the risk if Meta’s systems are ever compromised or misused.

What You Can Do

You do not have to stop using Meta AI, but you can take steps to control how much it learns from you.

1. Limit what you share with Meta AI.
   Avoid asking personal or sensitive questions.
   Treat AI chats like public posts and do not share anything private.
2. Review your ad preferences.
   Go to Settings → Ads Preferences on Facebook or Instagram.
   Adjust “Ad Topics” and “Activity Used for Ads” to limit personalization.
3. Use the “Why am I seeing this” option.
   Tap the three dots on any ad or post to understand why it was shown and make changes.
4. Turn off AI features where possible.
   You can skip or decline to use Meta AI in searches or chats.
5. Stay alert for prompts.
   Meta will notify users about this update. Take a moment to read the message before clicking “Agree.”

Bottom Line

Meta’s AI is designed to make your social media feed feel more relevant, but it also means the company is using new kinds of data about you. If you use Meta AI, be thoughtful about what you share and take a few minutes to review your privacy settings so you stay in control.

There are so many passwords that people need to remember these days. You have your online passwords, your wi-fi passwords, the passwords you use at work, and more. It can be enough to drive you crazy. By the time you think of yet another original password, you have forgotten the last one. It can be a little easier, however, if you follow the following Dos and Don’ts. DON’T use a password that is easy to guess. That means no password 123 or admin 2018. Don’t use something anyone could figure out, like your birthday, dog’s name, or your address. DO choose a password that only you could figure out, such as the embarrassing moment you never told anyone about or the name of the fish you overfed as a child.

DON’T share your password. Unless it is an account that you and your spouse share, there is no reason to give your account information to someone else. Remind your kids of this too. Many kids give their passwords to friends, which can lead to trouble down the line.

DO make sure your password has a combination of uppercase letters, lowercase letters, numbers, and special characters. Each website will have their own rules about what is required. Make sure it is at least six characters long, too, because length can contribute to the security of the password. For example, sTE”vE218 is a lot harder to crack then STEVE218. The trickier you can be the better.

DO use underscores or spaces. If the system will allow you to, this is a great choice. Not many people who are trying to guess a password will consider spaces or underscores. Trying to decide where you inserted them is even harder.

DON’T use the same password for multiple accounts. If someone is trying to steal your information and they figure out one password, you don’t want them to have the keys to your kingdom. It is much smarter to have a different password for each site to protect your assets.

DON’T make your password so difficult that you cannot remember it. If you notice a spider outside the window as you set your new work password and you make your password SPIDER875, there is a good chance that you will not remember it the next day. While the password has to be hard for other people to guess, it should be easy for you to remember.

DO have a password to protect your passwords. If you have all of your passwords saved to your computer and you are the only one that uses your computer, you can add a second layer of protection. Choose the option to have a password on your laptop. Then you can allow Google to save your passwords for each site you visit, but no one can access them because your laptop itself is password protected.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.