Personal financial security in the context of modern economic development

In recent years, the problem of forming a stable financial system in terms of personal security has become increasingly important in our country. In today's conditions, many individuals with available funds face the challenge of using them efficiently [5]. The issue of personal financial security remains relevant due to the dynamic development of economic and technological processes, the digitalization of the market, and social changes [13]. The purpose of this article is to identify external and internal threats to personal financial security and explore the main tools for minimizing them. The article systematizes indicators of financial fraud, examines the concept of "fraud risks," and proposes an author's algorithm for calculating personal inflation as a way to reduce losses from internal factors. The obtained results are undoubtedly of practical significance for researchers in the field of personal financial security in order to optimize government instruments and effectively plan budgets based on socio-economic criteria.