Imagine answering the phone and hearing your daughter crying that she has been arrested after a car accident. Or your grandson begging for help after being robbed overseas. That terrifying scenario is exactly what scammers are now creating with artificial intelligence, and the technology has become frighteningly convincing. A global cybersecurity study found that one in four adults either experienced an AI voice cloning scam personally or knew someone who had, while 77% of victims who engaged with the scam lost money. Many Americans lost anywhere from $500 to as much as $15,000 after hearing what sounded like the real voice of someone they trusted. As AI voice scams rapidly spread, understanding how they work could protect your savings and your family from becoming the next target.