Scams are becoming increasingly sophisticated, and it’s no longer just strangers who are at risk. Even those we care about most—our family and friends—can fall victim to fraudulent schemes. While it’s easy to think that scams only affect others or those who should “know better,” the reality is that anyone can be deceived. This makes it crucial to have open, honest conversations about scams with the people we care about, but approaching these discussions with sensitivity and empathy is key.
Here’s how to talk to your loved ones about scams in a way that feels supportive, non-judgmental, and ultimately helpful.
1. Start the Conversation with Empathy
When you approach a loved one about potential scams, the most important thing to keep in mind is empathy. The person you’re speaking to might feel embarrassed or defensive if they’ve already fallen for a scam, or they might be reluctant to acknowledge the possibility of being targeted in the future. It’s important to avoid coming across as critical or dismissive.
Instead, start with phrases like:
By framing the conversation as a helpful discussion, rather than an intervention, you open the door to a more relaxed, open dialogue.
2. Educate, Don’t Lecture
People tend to become defensive when they feel they’re being lectured to, especially when it comes to sensitive topics like personal finances. Instead of giving a long-winded lecture on the dangers of scams, provide clear, digestible information.
Break the conversation down into simple, actionable points:
Remember, you’re not trying to teach them everything in one conversation—just provide them with enough information to recognize potential red flags and seek help when needed.
3. Use Real-Life Examples
People often relate better to stories and examples, so use real-life scenarios to explain the risks. You could share stories of scams that have impacted others, whether it’s a family member, a friend, or a news report. This helps the conversation feel less abstract and more tangible.
For example:
Personal stories can spark a sense of urgency and help your loved ones relate to the conversation more directly.
4. Be Patient and Non-Judgmental
Even if someone you care about has already fallen for a scam, it’s crucial to remain patient and understanding. Shame and guilt can be significant barriers to seeking help, and no one wants to feel as though they’re being blamed for their mistakes. Approach the conversation in a way that encourages openness, not defensiveness.
Make sure your loved one knows that your goal is to help, not to judge or criticize.
5. Offer Practical Solutions and Resources
Talking about scams is helpful, but providing practical steps is essential. Help your loved ones take proactive measures to protect themselves from future scams. This could include setting up tools, accounts, or habits that make them less vulnerable.
Here are some actions you can suggest:
If possible, help them implement these steps together, so they feel supported in their efforts to safeguard themselves.
6. Create Ongoing Conversations
Rather than having a one-time “talk,” aim to create an ongoing dialogue about scams. This helps reduce any stigma around the topic and ensures your loved ones feel comfortable coming to you if they’re ever uncertain about something. Let them know you’re always available to help and that it’s okay to ask questions.
Check in with them occasionally to see if they’ve encountered any suspicious emails, messages, or calls. Remind them that you’re looking out for their well-being and are there to help them stay informed.
7. Normalize the Conversation
The more comfortable we are talking about scams, the less likely we are to fall victim to them. Normalize the idea that scams can happen to anyone, regardless of age, intelligence, or experience. By making these discussions a regular part of your interactions, you help remove the fear and shame surrounding them.
For example, you might bring up scams casually during a family dinner or in a group text. You could say things like, “I just read about a new scam that’s been going around. Has anyone else heard about it?” By framing these conversations as part of normal life, you make it easier for everyone to talk about them without feeling self-conscious.
Talking to loved ones about scams doesn’t have to be an awkward or uncomfortable conversation. By approaching the topic with empathy, offering clear and actionable advice, and keeping the dialogue open and non-judgmental, you can help protect your family and friends from falling victim to fraud. Scams are constantly evolving, but with the right tools, knowledge, and support, your loved ones can stay one step ahead of scammers. Ultimately, the goal is to foster a sense of trust and teamwork, so that everyone feels empowered to recognize, resist, and report scams as they arise.