Mel Robbins

Yeah.

So if you don't need to take out a loan and if you don't need to open a new credit card, then you don't need open credit.

You can freeze it.

Yeah.

And it's very easy.

And the credit card companies don't ding you if you do that?

No, no.

That's a great idea.

Let's talk about seniors because there's so many...

listeners that have elderly parents or concerned about their grandparents and we recently had a very scary issue with scamming related to my mother-in-law and they almost got in almost yeah and she would have been all of it gone all of her savings gone all of her retirement gone everything um how can the person listening help protect their parents from online scams

But I think we should go to their house and sit on their laptop and their computer and do the settings that you've talked about.

Great.

I know that there's a person listening or watching right now who is thinking, I got to protect my kids.

So what are the non-negotiable settings?

Every single parent, every grandparent, everyone who, if you're listening right now and you have friends who have kids, send this episode to them.

What are the non-negotiables that every parent needs to check on their phone and their child's phone tonight?

Okay, so block messages.

So when you are the parent and you're checking the phone and you're looking at the apps, what are we turning off on the apps?

I just love how clear and practical you are, Caitlin.

And I'm willing to admit publicly that I'm making a lot of mistakes here, but I'm also starting to feel very empowered that I can fix this.