Top 5 Financial Scams Targeting Seniors in 2025 — Are You at Risk?

This might be the most essential thing you read today if you’re over 60 or care about someone who is.

Scams that take money from older people are not simply happening. They’re blowing up. The FBI says that last year alone, seniors in the U.S. lost more than $3.4 billion to frauds. And what about 2025? It’s going to get worse because of sharper technology, voice cloning, and AI techniques that make bogus stories sound very authentic.

You don’t have to be “bad with tech” or gullible to fall for these scams. In fact, a lot of the people who are being targeted are smart, educated, and careful. But now scammers are going personal. They know who you are. They can copy the sound of your grandson’s voice. They make you feel like you have to act quickly, and they hit you where it hurts the most: your money and trust.

I’m writing this because I’ve seen it happen in real life, not just on the news. Friends. Customers. People who live next door. The patterns keep coming back, yet most guides still use old language and describe scams we’ve known about for years without showing how they’ve changed.

This article is not the same. I looked at new data, what experts, authorities, and genuine victims are saying, and made a list of the five frauds that are most important right now. Not only what they are, but also why they function, what’s different, and how to keep one step ahead.

You will leave with useful tools, data backed by experts, and techniques to keep yourself (or someone you care about) safe. Not using fear. Not fluff. Just information that is authentic and useful.

Let’s start with what’s different and why seniors are becoming the main target in this digital scam war.

Scam Landscape in 2025 — What’s Really Changed

If you believe scammers are just the same old email from a “Nigerian prince,” you’re wrong. The tactics have changed, and they are now scarily advanced.

Scammers don’t merely send phishing emails in 2025. They use deepfake technology to make your granddaughter’s voice sound like someone else’s. They fake real caller IDs. They employ AI to make fake investing advisors who send you messages every day that appear helpful and competent. It’s not a story anymore. It’s happening right now.

The FTC and NCOA say that frauds aimed at older people have gone up by 80% in the last two years. Not only is it about volume, but also about strategy. Scammers are using technology to play on people’s emotions. They know that elderly people often value trust, family, and financial security, and they use those values against them.

Someone might phone you and say they’re from Medicare and ask you to “verify” your bank information. Your “grandson” can send you a voice note on WhatsApp stating he’s in jail and needs money for bail. But it’s not him. It’s artificial intelligence.

And here’s the worrisome part: most articles still discuss about scams in the same boring, general way. They don’t say how easy it is for scammers to copy sounds. Or how bogus financial platforms are now part of romantic scams that take tens of thousands from seniors in only a few weeks.

I talked to cybersecurity experts who said, “This isn’t about falling for dumb tricks.” It’s about being emotionally overwhelmed by lies that are high-tech.

If you’re thinking, “That wouldn’t happen to me,” just know that the others who lost money thought the same thing.

That’s why it’s so crucial to know a lot about the five most deadly frauds. Let’s go through them one by one.

1. Tech-Support & Government Impersonation Scams

Let’s start with the most prevalent trap, as it’s the one that people are least likely to fall into.

Your phone rings when you’re at home. “Social Security Admin” is what the caller ID says. The person on the other end sounded calm and professional. He says that there is strange activity on your account and that your benefits will be frozen until you confirm your financial information.

Or maybe your computer suddenly stalls and a loud message pops up saying, “Your system is infected—Call Microsoft Support Now.” A free phone number is flashing on the screen. You call it in a panic. In just a few minutes, someone is managing your smartphone from afar and emptying your accounts.

Does this ring a bell?

This kind of scam is still going strong in 2025, but it’s changed. Scammers now use false agency numbers, speak fluent English with professional scripts, and, most dangerously, they’ve started using AI-powered chatbots and voice-cloning technology to make their fake alerts seem even more authentic.

They often say this:

• “We’ve seen strange things happening in your Medicare account.”
• “Someone has hacked your computer. We need to get to it from a distance.
• “You owe taxes from the past.” We will freeze your Social Security if you don’t do something now.

And they normally want:

• Access to your PC or phone from afar
• “Verification” of a bank account
• Gift cards or prepaid debit cards (a big red flag)

What will be new in 2025?

They don’t just call or email; they also text, send pop-ups, and even leave voicemails using voices that sound like other people. One article from the American Bar Association talked about how AI capabilities make it easy for scammers to seem like professional agents or family members.

Why it works:

It feeds on fear. You feel like you have to do something right away when someone suggests your Medicare or Social Security is in danger. Scammers also know that even knowledgeable people make quick decisions when they’re scared.

How to keep yourself safe:

• Don’t trust someone just because you see their number on your phone.
• Government offices never ask for payment over the phone or with gift cards.
• Don’t let someone else use your device remotely unless you started the help session.
• Put the phone down. Take a deep breath. You can call the agency directly from their website.

If you’ve ever said to yourself, “I would never fall for that,” realise that this is what makes these scams succeed. You don’t have to believe anything insane. They’re copying things we already expect, including problems with technology, tax letters, and health worries.

Next, we’ll talk about a hoax that makes you feel even worse: when your “grandchild” phones you in a panic. It’s one of the saddest ones I’ve seen.

2. Grandparent & Family Emergency Scams

This one hits hard because it turns your heart against you.

You get a phone call or a voice message. It’s wobbly and emotional.
“Hey Grandma, it’s me…” I need help. I got into an accident. I need money, but please don’t tell Mom and Dad.

Your stomach lowers. You know the voice. It sounds like your grandchild. He’s afraid. He needs aid. What would you do?

Now stop.

That voice? It may be someone else.

AI voice cloning has transformed everything in 2025. Scammers don’t have to guess anymore; they can just mimic voices from previous voicemails, social media, or videos. They can copy your loved one’s voice with scary accuracy using only a few seconds of audio.

They don’t stop there, though. Some people even fake phone numbers to match the ones in your family. If you answer, you can see “Emily – Mobile” on your screen. It’s “her” pleading for help.

This swindle isn’t new, but the technology that makes it work is. That’s what makes it dangerous in a whole new way.

In 2023, elders in New York alone lost more than $200 million to emergency scams.

How it goes:

• The “relative” says they are in jail, in a vehicle accident, or stuck in another country.
• They ask you to wire them money for bail or pay their hospital bills.
• Sometimes a bogus individual pretends to be a lawyer or police officer and joins in.
• They always tell me, “Don’t tell anyone.”

How it works:

It’s the worst kind of emotional manipulation. Your impulse to protect yourself kicks in when you’re scared. You don’t want to take the chance of being wrong. You want to help.

And that’s what the scammers are counting on.

How to keep safe:

• Always stop. Use a recognised number and say, “I’ll call you back.”
• Ask personal questions that only your real grandchild would know the answer to.
• Get a second opinion. Get in touch with another family member.
• Don’t ever give money, especially not through wire transfer, gift cards, or crypto.

Scammers want you to move quickly and not deliberate. Time, reasoning, and proof are your best defences.

In the following part, we’ll talk about a new fraud that is much worse for your finances: pig-butchering, in which scammers merge phoney romance and cryptocurrency investments into a terrible trap.

3. Investment & Crypto Scams (a.k.a. “Pig-Butchering”)

The name of this scam is the weirdest, but it’s not a joke.

Scammers “fatten” their victims first by gaining their trust and claiming to care before hitting them with a bogus investment offer. This is why it’s dubbed “pig-butchering.” The victim’s money is progressively taken away, just like a pig is fattened before being killed.

That name is terrible. Brutal outcomes.

And elders are becoming more and more of a target.

Here’s how it works:

You might get a nice note on Facebook, WhatsApp, or even LinkedIn.
“Hey! I saw that we know the same person. How are you?
The talk gets friendly. They check in every day. They look nice and polite. They say they’ve made a lot of money over time via a “investment app” or “crypto fund” and promise to show you how it works.

You want to know. They assist you make an account. You put in three hundred dollars. Your balance displays $450 a few days later.

It seems real. It seems real.

So you put in more money. Then, out of nowhere, the app stops operating. Or they want extra money to “unlock” your withdrawal. Or they just go away.

How much do people lose on average in these scams? The FBI’s 2024 report says that each victim lost more than $33,000.

And the worst thing? These con artists get people to trust them on a deep level. They act like pals or even love interests. That’s why a lot of victims don’t tell anyone. They feel bad about it. They feel like they’ve been let down, bewildered, and ashamed.

Here’s what’s new in 2025:

• Some of these fake platforms even mimic classic pump-and-dump stock scams, manipulating emotions and fabricated returns to lure seniors into investing more before vanishing.
• Scammers employ selfies and backstories made by AI.
• They sound like financial advisors. Some people even use bogus diplomas.
• The deception happens slowly, over weeks or months, so at first it doesn’t seem like a scam.

The Attorney General of Michigan warned the public about this identical strategy, which is mostly used to target older people on dating services and social media.

How to find it:

• Anyone who says they can guarantee returns is lying. End of story.
• Real investing gurus don’t send you chilly messages online.
• Look out for words that make you feel rushed (“Act now!”) or secretive (“Don’t tell your family”).
• Before you invest, type the name of the app or website into a search engine along with the word “scam.”

How to keep safe:

• Use platforms that are well-known and regulated.
• Don’t transmit crypto to someone you don’t know in real life.
• Before you invest, talk to a family member or your bank that you trust.

It’s not about being gullible. These frauds use technology and emotions to trick people. They work because they make you feel loved.

The truth is, though, these scammers only want your money.

Next, I’ll show you another very emotional trap: romance scams, which are when loneliness and manipulation come together.

4. Romance Scams: When Love Turns into a Lie

Let’s be honest: no one likes being alone. Online friendships can feel like a lifeline in a world where it’s hard to make real connections. That’s why romance scams are so successful, especially with older people who have lost a partner or live alone.

“Hey, I saw your profile” is frequently the first thing someone says. I think I’d like to get to know you.

They are polite. Charming. A little flirtatious, but yet polite.
They want to know about your life. Your family. They pay attention.

The friendship gets stronger throughout the weeks. You feel like someone sees you. Got it. You begin to have faith in them.

Then the twist happens.

They are either working abroad or stuck there because of an emergency. Someone snatched their wallet. They need support with hospital costs or reserving a flight to come see you. They say they will give you your money back. They care about you.

But it’s all a lie.

In 2023, romance scams cost Americans more than $1.3 billion, most of which came from adults over 60.

In 2025, this is what makes things worse:

• Scammers increasingly utilise profile photographs made by AI that are so realistic that you can’t reverse image search them.
• What do they say? Written by bots that have been taught to sound kind, smart, and trustworthy.
• Some people even employ deepfake video calls that last just long enough to “prove” they’re real.

And the demands never cease when you send money. A health problem. A charge for a lawyer. A cryptocurrency investment. An account that is blocked. Each new cause pulls on your heartstrings more.

What happened?
You lose more than simply money; you lose belief in yourself. Trust. Sometimes even relationships with family members who tried to warn you.

How to keep safe:

• If someone online says they love you too quickly, be very careful.
• Don’t share personal or financial information, even if the person looks nice.
• Don’t give money or gift cards to someone you don’t know in real life.
• Early on, ask for a video call. If they avoid it, that’s a bad sign.
• Talk to someone you can trust. If it seems too intense or private, stop.

Keep in mind that yearning to connect is normal.
But scammers take advantage of that desire. They make up fake connections that seem real till the money runs out.

Next, a novel and faster-growing threat: phoney sweepstakes and shopping scams that proliferate through social media.

5. Social Media Sweepstakes & Shopping Scams

You notice an ad that says “Congratulations!” while you’re scrolling through Facebook or Instagram. You have been chosen to win a new iPhone 15. All you have to do is pay $1.25 for delivery.

Or a store might open that sells Ray-Ban sunglasses, hearing aids, and orthopaedic shoes for 80% discount. The webpage seems real. The reviews are really good. You click, pay, and… nothing ever comes.

Does this sound like something you’ve heard before?

This is the world of social media frauds, where false giveaways and bargain retailers discreetly steal millions of dollars from elderly people every year.

Scams on social media cost people around the world more than $1.5 billion in 2023. Adults over 60 lost three times as much each event as younger people.

Why do these scams work?
They don’t seem like scams to them. They seem like regular adverts from pages that seem safe. There is a sense of urgency, warm language, and small “fees” that don’t seem like a big deal. The scammer’s goal is simple: persuade you to click, pay, and forget.

Here are some new things for 2025:

• They employ AI to make bogus shopfronts, reviews, and logos.
• They put actual adverts on sites like Facebook and Instagram.
• Some scams take more than just money; they also take credit card numbers and home addresses.

They might give you a free goods and charge you $1 to $5 for shipping. You just put in your card and that’s it. Now you’re a target for bigger fraud in the future.

This isn’t just about phoney shoes. It’s stealing data, breaking trust, and getting into full-blown identity theft.

How to tell these scams apart:

• Offers that sound “too good to be true” almost invariably are.
• Fake stores typically utilise weird URLs or spell things wrong, so verify the site again.
• Type the brand name and “scam” into Google and see what comes up.
• Don’t buy anything from a page that was made in the last six months.

How to keep oneself safe:

• Only buy from suppliers and platforms you can trust.
• Use credit cards instead of debit cards to protect yourself from fraud.
• Turn on ad blockers or fraud filters.
• Don’t give out personal information for a “giveaway” you didn’t sign up for.

Keep in mind that some frauds don’t go after your money right away. They want your trust and attention. The true damage starts once they have that.

Why Seniors Are More Vulnerable Than Ever

Let’s be clear: just because you’re older doesn’t mean you’re easy to fool. But it makes you a prime target, and scammers know exactly how to take advantage of that.

This is why.

1. Bias in Trust
Older veterans, especially those living alone or depending on benefits, are also being heavily targeted—often through veteran-focused scams and fraud awareness that use their service history and trust in institutions against them, and didn’t scrutinise every call or letter they got. That habit of trusting? It doesn’t go away. People that cheat use it. They act as banks, physicians, family members, or government agents because they know you’ll believe them more.

2. Being alone and cut off from others
Loneliness makes people more open to harm, whether they live alone, have lost a partner, or just feel unconnected. This is something that romance scammers know very well. They don’t rush in; they take their time and create emotional ties. You’re not falling for a hoax. You’re responding to kindness that seems real.

3. Less awareness of digital things
It’s not about how smart you are; it’s about how much you’ve seen. If you didn’t grow up with things like bogus URLs, deepfakes, or phishing, you won’t be able to recognise them immediately away. That gap is what scammers use.

A study published in ScienceDirect found that seniors were more likely to fall for fraud because they were overwhelmed with information, not because they forgot things. We all make riskier choices when things move too quickly or feel like they are under a lot of strain.

4. Silence and shame
Scammers are aware that you might not tell anyone. They really do depend on it. A lot of older people are too ashamed or scared to notify their relatives because they worry they’ll be ridiculed or perceived as “slipping.” The fraudster can come back for more because of that quiet.

“My mum didn’t tell us she sent $5,000 to a fake lawyer until it was too late.” She stated she didn’t want to seem dumb.
— A real statement on Reddit on r/Scams

5. Wealth that has built up
Older people frequently have actual financial stability, like savings, retirement funds, and house equity. Scammers are not stupid. They follow the money. They don’t care who you are. They care about how much money you have.

The bottom line is?
Scammers don’t want you to be careless. They only require you to be human.

Next, I’ll show you what actual experts and actual victims are saying right now. These voices are showing what really works to find and combat fraud, from Reddit posts to government warnings.

What Experts and Real People Are Saying Right Now

Don’t merely trust old pamphlets or official warnings if you want to keep one step ahead of crooks. Because that’s where the truth shows up, look at what’s going on right now.

There are more and more victims, specialists, and cybersecurity professionals on sites like Reddit, Facebook, and Twitter (now X) sharing what they’ve learnt the hard way.

Here are some things that will make you think:

Reddit: The Warning Zone Without Filters

Every day, reports come in on subreddits like r/Scams and r/ElderFraud:

A woman wrote about her father sending $4,000 to a scammer who appeared to be her cousin who was stuck in another country.

Another senior submitted screenshots of a bogus investment platform that looked exactly like Vanguard, down to the branding.

These stories are real, honest, and full of feeling. And they show that scams don’t just fool people who don’t know what they are. They make people who are careful confused.

“I don’t know why I believed it. I just wanted it to be true. I felt like someone finally understood me.”
— User post about a romance-turned-investment scam

Expert Tweets That Cut Through the Noise

@scamspotterUSA (BBB-backed account) posted in June 2025:

“AI scams aren’t future threats—they’re happening now. Voice clones, spoofed caller IDs, deepfake photos. If it feels rushed or too real, pause. Always call back on a verified number.

@cyberwise_Dr (cyberpsychologist) tweeted:

“Romance scammers often act like your emotional mirror. They don’t lie loudly—they echo what you want to hear. That’s why it works.”

Tools That Help in Games

Some researchers are now making games that can help stop things from happening.
Researchers on arXiv.org evaluated ShieldUp!, a smartphone game for seniors that teaches them how to spot scams. What were the results? After playing the game, older players were 47% less likely to fall for a fake fraud.

One of the best ways to stop scams is to teach through practice instead than lecturing.

What This Means for You
Don’t only trust the “tips” you read once a year. Instead:

• Follow real fraud watchdogs on social media.
• Read actual fraud stories for 10 minutes a week.
• Use things like browser extensions or fraud detecting games that let you know.

Once you know how these frauds work, they stop looking smart and start looking apparent.

Proactive Prevention Strategies That Actually Work

Step one is to learn about scams. But to keep yourself or someone you love safe, you need to take wise, real-world steps. Not hard. Not too much. Just steps that are easy to do in your daily life.

This is what really works in 2025:

1. Lock down your accounts and devices
Scammers are moving online, so you should too.

• Two-factor authentication (2FA) should be used on apps, email, and bank accounts.
• Get a password manager like LastPass or Bitwarden. Don’t ever use the same password twice.
• Set up alerts for new logins or big transactions on your account.
• Update your software often; older systems are simpler to attack.

If you find technology too hard to handle, ask a trustworthy family member to help you set up these measures. You only have to do it once. For a more complete breakdown of protective habits, account security, and scam response tools, you can also read our detailed fraud protection guide for seniors.

2. Learn by doing things over and over again
One workshop isn’t enough. Scammers are always changing their methods.

• Go to fraud lectures at your local senior centre. AARP’s “Scam Jams” are great.
• Sign up for monthly mailings that warn you against scams, like the ones from the FTC.
• You can watch YouTube videos that explain how frauds really work.

Play games like ShieldUp! that teach you how to spot scams. A recent study on arXiv found that they cut the risk by over 50%.

“The game helped me see how to avoid time traps. I now take a moment before I answer anything strange.
— Player age 72 in ShieldUp!

3. Keep an eye on your money Often
Before a huge scam, scammers often test the waters. If you catch tiny withdrawals early, you can stop big losses.

• Even if nothing seems incorrect, check your bank and credit card accounts every week.
• Your bank can help you set up fraud alerts.
• If you don’t need to borrow money or get a credit card, you might choose to freeze your credit.

Also, tell elderly individuals to let someone they trust see their money, even if it’s only to keep an eye on it. A scammer’s best friend is silence.

4. Make a “Fraud Shield” Support Circle
You shouldn’t deal with scams on your own. Make a small group of people who will help you.

• Before you send money online, pick one family member or friend to talk to.
• Give them read-only access to important accounts, or ask them to assist you check emails and calls.
• Get involved in online organisations where older people communicate about their experiences with scams (like Reddit and AARP forums).

“After my mum got scammed once, we created a rule that she has to phone me before she sends money to someone new. It’s uncomfortable, but it’s saved her life twice already.

This isn’t about being afraid. It’s about developing routines that help you live freely and not get caught off guard.

What to Do If You’ve Been Targeted

First, relax.

It’s not your fault if you lost money, gave away information, or almost fell for something. Professionals plan these schemes. They are meant to make you feel and think too much.

The good news is? There is an obvious way to go.

Step 1: Stop It Right Now
If you clicked a link, granted someone access, or sent them money,

• Do not talk to the scammer anymore. Block their phone number, email, and any apps they utilised.
• Disconnect your internet and then restart your device if you give them remote access (such through TeamViewer).
• You can either run a complete antivirus scan or take your gadget to a tech expert.

Step 2: Protect Your Money
Scammers may try to get more from you, even if you just sent “a small amount.”

• Get in touch with your credit card company or bank right away. Tell them to freeze or keep an eye on your account.
• Your bank and credit bureaus can help you set up fraud alerts.
• If you gave out your Social Security number or other private information, you might want to freeze your credit with Experian, Equifax, and TransUnion.

Pro tip: Make a free, step-by-step rehabilitation plan using the FTC’s IdentityTheft.gov tool.

Step 3: Tell someone about the scam
This isn’t just for you; it helps other people avoid the same problem.

• Go to reportfraud.ftc.gov to tell the FTC.
• Get in touch with your state’s consumer protection office.
• If it involved stealing money or pretending to be someone else, call the police and the FBI’s Internet Crime Complaint Centre (IC3).

You might not receive your money back. But every report adds to the data. That information helps the police shut these networks down.

Step 4: Talk About It
Scammers love it when people don’t talk. Shame is their hidden weapon.

Let your family know. Let a friend know. Tell someone. You might feel bad about yourself, but you don’t have to. The more individuals talk about these tricks, the easier it is for others to spot them early.

Step 5: Be nice to yourself
You were chosen because you’re a person. That’s all.

The greatest thing you can do now is to stay informed, set limits, and rebuild with better tools and more help. This article is one of those things, and simply reading it puts you ahead.

Next, we’ll look into the future. Scams aren’t going away, but how we fight back? They’re also getting smarter.

Looking Ahead — 2026 & Beyond

Scams are still going strong. They’re changing more quickly than ever.

Regulators and internet companies are starting to fight back, but the tools that scammers have—AI voice cloning, deepfakes, and data leaks—are only becoming better. The question isn’t “Will scams go away?” The question is, “How will we stay ahead?”

Here’s what’s going on right now:

1. Scams that use AI will get more personal
Experts say that by 2026, scammers won’t just copy sounds; they’ll also create whole characters. Imagine bogus financial experts who can talk to you through text or video. They will remember your name, birthdate, and favourite colour. Because they’ve taken your digital footprint and used it to catch you.

This is already happening in phoney investment sites and crypto scams. The fraudster doesn’t have to get you to believe them in ten minutes. They’ll keep you busy for weeks.

2. There will be further government crackdowns.
There is already new legislation in the works:

• The proposed Romance Scam Prevention Act in the U.S. would have dating sites check the identity of their users.
• Ofcom is implementing the Online Harms Code in the UK, which makes platforms like Facebook responsible for scams that are advertised through their adverts.
• Many banks and other financial institutions are starting to detect odd senior transactions and take action more quickly.

But rules are slow to come. Things change quickly with technology. That’s why your first line of defence will always be personal prevention.

3. The way people learn about scams will change from “education” to “training.”
In the next few years, interactive tools will probably be the best way to stop something from happening, not brochures.
Researchers are doing thet:

• Training that is fun, like ShieldUp! that helps people learn how to recognise things in real life
• Banks and networks that help older people employ scam simulators
• Browser add-ons that let you know right away whether you’re on a dangerous site

This is when awareness turns into muscle memory. It’s simpler to recognise a scam when it’s real if you’ve been through it in a safe place before.

4. Scammers will keep using shame to get what they want.
The emotional strategy will always be the same, no matter how advanced the tech develops.

When you don’t speak up, scammers win.
They lose as soon as you stop, check, or seek for aid.

That will always stay the same.

So what do we learn?

You don’t have to be perfect. You just have to be aware. Trust your gut, don’t rush, and rely on resources and people who are there for you.

In the last part, I’ll give you a short, useful list that you can present to someone right away.

Last Word + Tips for Staying Safe

You made it through the facts, tales, and plans. Now, here’s the bottom line:

Scams don’t mean you’re irresponsible. They’re a sign that crooks are getting smarter. But you can too.

This isn’t about being scared. It’s all about getting ready. You don’t have to live on the edge. You only need a plan.

You can use this basic checklist or give it to someone who needs it.

A Checklist for Seniors to Avoid Scams (2025–2026)
Before you click, send, or share:

• Did you make the first move?
• Does the message have a sense of urgency, secrecy, or guilt?
• Can you confirm someone’s identification by alternative means?
• Have you stopped to talk to someone you trust?

Habits that keep you safe over time:

• Review bank and credit statements every week
• Whenever you can, use two-factor authentication.
• Never send money to someone you’ve never met in person
• Use only trusted websites and apps when shopping or investing
• Keep software, antivirus, and scam filters updated
• If something feels off, don’t ignore it. Pause. Research. Talk.

One last thing:
If this article helped you, share it. Not just on social media—but with a friend, a parent, or someone who’s always said, “I’d never fall for that.”

Scammers aren’t slowing down. But if more of us start paying attention, talking openly, and supporting each other—then they don’t stand a chance.

So…
Have you talked to your parents or grandparents about scams lately?
Would they know what to do if that “emergency call” came in tonight?

Ask them. Start that conversation today.

Disclaimer:
This article is for informational and educational purposes only. It does not constitute financial, legal, or cybersecurity advice. While every effort has been made to ensure the accuracy of the information presented, readers are encouraged to consult with qualified professionals for personalized guidance. The author and publisher are not liable for any actions taken based on the content of this article.

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