I've spent years helping older adults stay safe online. Here are the 5 most common scam messages I see — and why even savvy people fall for them.

1. "Your account has been suspended"

Banks and Apple will never text you a random link to "verify" your account. If you get this, call the company directly using the number on the back of your card. Never tap the link.

2. "You have a package waiting — confirm delivery"

This one explodes around the holidays. The link leads to a fake page that steals your login or card info. If you're expecting a package, go directly to the carrier's website.

3. "Hi Mom/Dad, I lost my phone"

Scammers pretend to be your child from a new number, then ask for money urgently. Always call your family member on their real number first.

4. "You've won a $500 gift card"

Nobody gives away $500 for clicking a link. Full stop.

5. "This is the IRS — pay now or face arrest"

The IRS does not call, text, or email to demand immediate payment. Ever.

The pattern: Every scam creates urgency ("act NOW") and fear ("or else"). Once you see that pattern, you'll catch 90% of scams before they catch you.

If you or someone you love wants a complete, beginner-friendly guide to staying safe online — that's exactly what ScamProof Seniors is. No jargon, no tech skills needed.