One of the fastest-growing scams right now is the "Emergency Scam," sometimes called the "Grandparent Scam." It's designed specifically to trick older adults into acting quickly by using fear and confusion. And unfortunately, it's working.

What Happens

You get a phone call or text from someone pretending to be a grandchild, a niece or nephew, or even a police officer. They say something bad has happened. For example:

- "Grandma, I've been in an accident. I need money for bail."
- "Hi, this is Officer Daniels. Your grandson was arrested, we need you to post bond immediately."
- "It's me, your niece. I lost my phone and I'm in trouble. Please don't tell mom and dad."

They often beg you not to tell anyone else.

Sometimes they even use AI to fake the person's voice, so it sounds real, like your actual grandchild is scared and crying on the line. You're then asked to send money through a wire transfer, gift cards, or even a courier.

Many seniors have lost thousands of dollars this way, some even their entire savings, before realizing it was a scam.

How to Protect Yourself

If you ever get a call like this:

- Don't panic. Hang up or tell them you'll call back.
- Verify first. Call your grandchild or family member using the number you already have, not the one they give you.
- Never send money immediately. Real emergencies don't come with secret payment instructions.
- Have a safe word. Deciding on a secret word to use in a situation like this can give you peace of mind, and money.

Why it Matters

Scams are evolving fast, and they're hitting people where it hurts. But staying informed, asking questions, and taking a few seconds to double check can make all the difference. If something feels off, it probably is. Keep your guard up, trust your instincts, and don't let urgency rush you into a mistake.

Scammers have learned to blend into daily life. Two of the most common schemes in the U.S. right now involve fake delivery notifications and fraudulent investment opportunities. Both prey on habits most people barely think about—checking a text or trusting a "friend's" financial tip.


1. Delivery Text Scams

These messages claim to be from UPS, USPS, or FedEx, saying your package is delayed, lost, or needs confirmation. The text includes a link that looks legitimate but leads to a fake tracking site. Victims who click are prompted to enter credit card info to "reschedule delivery" or "pay a small fee." Others download hidden malware that steals passwords and banking details. Many of these scams are timed around holidays or major sales when package traffic is high. How to avoid it: Never click links in delivery texts. Check delivery status through the official carrier's app or website. Real companies won't ask for payment to release a package.


2. Fake Investment Scams

Social media is fueling a new wave of investment fraud. Scammers pose as financial advisors, crypto experts, or successful traders and show fake screenshots of huge profits. They invite victims into "exclusive groups" or direct them to polished investment sites that are entirely fake. Often they'll even send a small "return" first to build trust before disappearing with larger deposits. Victims lose thousands, sometimes entire savings.


How to avoid it: No real investment guarantees quick profits. Check advisors on FINRA or SEC databases. Never invest through links sent by strangers or influencers.