How to Start the Conversation

Having a conversation with a loved one about a potential scam can be difficult, but it's incredibly important.

Why This Matters

Scams aren’t just financial crimes—they’re emotional manipulations. Many victims are unaware they’re being scammed until it’s too late. Conversations with trusted loved ones are often the only intervention that can prevent significant harm.

Before You Start Any Conversation

• Choose a private, relaxed moment.
• Lead with care and concern, not judgment.
• Listen more than you talk.
• Ask questions rather than make statements.
• Be prepared for them to not want to discuss it initially.

General Concern Approach

• “I’ve been thinking about you lately, and I just want to make sure you’re doing okay.”
• “I love how trusting and generous you are, but I worry about you sometimes. Can we talk about how to make sure people don’t take advantage of that?”

Learning Together Approach

• “I just heard about some really sophisticated scams. Have you heard about any of this stuff?”
• “What would you do if someone contacted you claiming to be from the bank?”

Handling Pushback

• “I can take care of myself.”
  “Of course. I just want to share a few things I’ve learned lately—some of these scams are unbelievably sneaky.”
• “You think I’m stupid?”
  “Not at all—scammers are professionals at what they do. They trick people from all walks of life.”
• “This person really cares about me.”
  “I hear you. That’s exactly what worries me—scammers often build trust first. Let’s look at it together.”

What If It Doesn’t Go Well?

Don’t give up. These conversations often take time. You’ve planted a seed—and when doubts eventually creep in, they may remember your concern. Keep showing you’re on their side.