🚩 How not to throw money away: a guide for normal people

Scammers are like exes: they call at 3 a.m., scare you, play on your sympathy, and ask for money. But they're easier to deal with: just block them and move on. 5 rules that really work: 1. "Sweetheart, I need your phone" — if "daughter" calls from an unknown number and urgently asks you to transfer 5000 to a "safe account," it's not your daughter. It's Uncle Vasya from Brazil. Call back the old number. 2. Safe accounts don't exist — banks don't ask you to transfer money to a "protected account." If they do, it's like when a friend asks to "borrow" 100k and never returns it. Only here the friend is wearing a mask. 3. Links from SMS = phishing — "Your account is blocked, click here." No. Don't click. Type the website address manually like a normal person. 4. "You won an iPhone 15 Pro Max" — if to claim the prize you need to pay a "tax" or "delivery fee," it's not a prize. It's your wallet flying away into nowhere. 5. Urgency = red flag — "Resolve the issue in 5 minutes or else..." Scammers love panic. You don't. Breathe, think, call back. Main thing: if something sounds "too good to be true," it definitely isn't true. Check. Ask. Don't transfer. Share this with those who still believe in "safe accounts" 💀