Sean Pyles

And if you don't do it, then some horrible thing is going to happen.

So just be on the lookout for any sort of urgent call or urgent email that tries to isolate you from like your loved ones.

Like if you get a call from a police officer and they say your information has been compromised and you can only talk with me about this because I'm the one on your case.

That's a huge red flag.

Just try to contact an actual police department directly.

Again, be the one initiating contact and just take a deep breath.

Talk to a loved one and just try to reduce the urgency and the isolation that you might feel.

And they believed that it was their friend.

You know what your friend's voice sounds like, which is what's so scary is that these are really believable.

One piece of advice that I've heard to keep yourself safe from these scams where you can't really verify who you're talking with, even if it's your best friend, allegedly, is having a safe phrase that you can just say, OK, if you really have this flat tire, tell me what our safe phrase is so I can verify that this is legit.

which might sound silly if your friend is actually on the side of the road and just need your help in that moment.

But better to do that than give scammers some information and some money.

Okay.

Well, up next, we'll be getting into our 401k and IRA rollover lightning round.

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