AI scams are everywhere — and they’re slick. Here’s how to protect yourself and your family.

It’s hard to tell exactly when AI slop stopped being just a punchline involving Will Smith eating spaghetti and started feeling dangerous. That’s actually part of the problem.

This year, many of the popular AI tools that used to struggle with the number of fingers on a human hand gained the ability to generate photorealistic video — with audio — that costs users virtually nothing to create. Even trained scientists can’t always tell the difference between what’s real and what’s machine-made in digital form. But the most insidious applications of this remarkable technology are playing out on a much more personal level.

A few years ago, we started to hear more about voice cloning tools, which allow scammers to spoof a loved one’s voice in order to extort money from a victim. Large language models (LLMs), like ChatGPT, have also made any text-based scams more convincing and much cheaper to deploy. Imposter scams, which include romance scams, tech support fraud, and employment fraud, are on the rise, and thanks to increasingly high-quality AI, it’s harder than ever to know who’s real and who’s an imposter online.

When my daughter’s daycare recently sent us a picture of her entire class smiling in unison, my first thought was, “That’s cute!” My wife told me to look again and said, “That’s not our daughter.” She was right. All of the babies’ faces were AI-generated. 

That was the moment I knew that, despite my years as a tech reporter, constantly warning my boomer parents to take cybersecurity seriously, the scammers could get me. 

As AI gets better and cheaper, we’re all becoming easier targets. Your boomer parents are susceptible to getting scammed in the scary age of AI-powered fraud — but so is your Gen Z sibling, and so are you. 

The amount of money people over 60 have lost in scams skyrocketed from about $600 million in 2020 to about $3 billion in 2025, according to a new Federal Trade Commission report. The overall number of older adults who reported losing money to scammers, however, was actually 14 percent lower than the number of younger people who reported losses. Older adults are historically more likely to report being targeted but less likely to lose money to scammers, the FTC said. When they do lose money, they tend to lose a lot of it.

But younger generations are actually more likely to fall for certain scams, according to numerous surveys from the past five years. 

We should all expect to be bigger targets in the future, too, as scammers inundate us with cheaply produced but very realistic AI slop. “The sophistication of the types of scams that are happening to older adults has definitely moved forward,” Diana Freed, an assistant professor of data science and computer science at Brown, told me. “Having some type of family safety plan around these issues is very helpful.”

The two most important things to do in this stressful AI scam era: reduce the number of scammers that can get to you, and establish ways to verify that people — on the phone, online, in videos — are who they say they are. Assume that anything can be convincingly faked these days, and that your whole family will need help figuring out what’s real. 

Our best chance at getting through this tricky transition unscathed is to do it together.

Why you aren’t wrong to worry about your aging parents

It’s tempting to let generalizations guide your thinking when it comes to internet safety and behavior. Stubborn stereotypes tell us that older people are warm but incompetent, and that makes them more trusting, easy targets for scammers. We’ve all heard stories about someone’s grandma losing her life savings to criminals on the other side of the planet. Now we live in a world where AI can make those criminals sound like a grandchild on the phone, asking their grandparent to send money for an emergency. The same technology can make an aging parent sound like they’re asking their millennial son or daughter for urgent help, too.

“I think the security risks are certainly the same for younger people as well as older people,” said Ed Baig, who covers technology for AARP’s website and magazine.

Still, aging adults do have unique vulnerabilities that you should be aware of. 

As we get older, our brains start to change. Normal cognitive aging leads to declines in processing speed (so you’re a little bit slower), and memory (so you’re a little more forgetful). That doesn’t inherently make an older person more likely to be a scam victim, but some research suggests that low memory function makes people more susceptible to phishing scams. One 2012 study also linked less activity in the anterior insula (the part of the brain that processes disgust, among other things) in older subjects with more trustworthiness. There are other brain changes, like declines in analytical reasoning, that could explain why older adults tend to respond to certain scammer methods, like finding common ground or offering something free.

More than anything, though, older adults tend to have more money — or, at least, they tend to part with larger amounts of it. They are, in this sense, better marks. In 2024, according to the FTC, the median amount reported lost to fraud for people in their 30s was $450, but that number shoots up to $1,000 for people in their 70s and $1,650 for people in their 80s. 

In general, nobody likes to admit they fell for a scam. But the stakes are higher for some older adults, who might fear that they’ll lose their independence if they confess to their families that they’ve been a victim. They may also avoid reaching out to younger relatives to verify a shady-sounding exchange — or to ask questions in general — because they don’t want to bother anyone. 

None of this is taking the very real power of AI into the equation, by the way. Older adults use AI less often than younger generations. About one in four people over 65 have ever used a chatbot, according to Pew, although a separate survey found that over half of older adults have used voice-based assistants, like Alexa. (Thanks to recent upgrades, Alexa is gaining new AI powers, too.) 

So boomers may not be AI experts in large numbers, but they’re getting to know what it’s like to deal with chatbots. That still doesn’t mean they are fully aware of how much more believable scams have gotten thanks to AI. 

What to do with all your AI scam anxiety

Assuming we’re all equally doomed when it comes to AI scams — but also, equally capable of resisting — the best thing to do is prepare yourself and your loved ones. Here are some concrete steps you can take. 

Look at AI-generated content together to better understand the problem

Travis Bible, a Los Angeles-based filmmaker and editor in his 40s, told me he felt the need to alert his parents about potential scams after Google’s AI video generator got uncannily good. The third generation of the software, Veo 3, can turn text into photorealistic video with audio in a matter of moments, and Bible realized that the videos the tool can produce could fool even him. 

When simply describing the problem didn’t convince his parents to take it seriously, Bible got creative: He spent three days using AI to make a PSA warning of the dangers of deepfake scams and showed it to them. It worked. “I kind of expected them to be in disbelief, but honestly, they just kind of accepted it,” Bible told me. “Seeing the video made my warning click with them. Like, ‘Oh, it really is that good.’”

There are other PSAs like this floating around, but watching Bible’s made something click for me, too. I can’t really tell if half the clips are real or fake. You can look for tells, like glitches or visual typos, but AI image generators have gotten so good, it can be impossible to spot a fake at a glance. There are also AI tools that will tell you if a piece of media was generated by AI, like the Google-made SynthID Detector. But let’s be honest: When you’re in the heat of a scam, you don’t necessarily have the wherewithal to be testing the authenticity of stuff.

Talk about scams in a stigma-free environment

Older adults don’t want to be scam victims, but they also don’t want to be surveilled by their anxious relatives. To strike a balance, you can take the stigma out of potential victimhood by talking about how scams are creeping into your own life. Feel free to complain about the incessant string of scam texts about unpaid tolls you’ve been getting. If you’re using AI in your daily life, talk about it with your parents or grandparents, and you may learn more about what they’re doing too.

“Older people may turn to technology to ask questions to avoid burdening their children, meaning they may be hesitant to reach out to an adult child to ask for help with AI,” Robin Brewer, an associate professor of information at the University of Michigan, told me. Approaching these topics with generosity instead of judgment might mean your dad reaches out to you the next time he gets a weird text instead of clicking the link in the text to see where it takes him.

Create a family plan for verification

If everyone’s in agreement that we’re living through a scary time, you should create a family plan. This is useful for the older adults in your life, and it can be useful for you or your kids if you’re ever targeted. 

The basic idea is to create a chain of verification, so that if someone receives a call or an email — especially one claiming to be from a relative — they have another family member who can give it a second set of eyes. Scammers can easily spoof phone numbers, so it might look like the call is coming from your sister, when really it’s coming from Singapore. Make sure everyone in the family knows that urgency is a scammer’s best friend, and it’s always a good idea to slow down to try and verify. 

You might also want to agree on codewords to confirm that someone is who they say they are when, say, they call asking for “bail money.”

There’s also a cottage industry dedicated to selling you tech to protect your older loved ones and yourself from scams. You can pay for landline services from companies like Community Phone, Ooma, or teleCalm that protect against unwanted callers, filter, and offer caregivers some basic call monitoring features. Major carriers, like Verizon and AT&T, have filters and scam protection built into their services, and smartphones have features like call screening to help you avoid contact with a criminal. But ultimately nothing is 100 percent when it comes to stopping scammers from calling potential victims, since they’re constantly updating their tactics.

“Technology accelerating concentrates everything in our reality, and fraud will get even more powerful because the technology is getting better,” James Graham, Community Phone’s founder and CEO, told me. “And so you need technology that’s also getting better to prevent it, hopefully at a faster rate.”

So it’s a doom loop. Technology is helping criminals get better at stealing, so we need to invent new technology in order to thwart the thieves — until the next generation of tech comes along, at least. The truth is, we can’t stop scammers from assaulting our phone lines and inboxes any better than we can stop getting older with each passing day. 

We can, however, talk to each other about these constant threats. Warn your family and friends about the evolving threats that you’re seeing reported in the news or on social media. If your grandma sends you AI slop, talk to her about how AI slop gets made and how it can be dangerous. If your kid’s daycare sends you AI slop, make sure your spouse knows it’s AI slop, even if it’s cute.

I’m actually hopeful that things will get better. If you look back a couple of decades, when email was new, the volume of spam you’d get made it almost unusable. Spam filters got better, and we got better at spotting scams. Like the scammers themselves, we’ll have to keep adapting. But if we can teach an AI-generated Will Smith to eat spaghetti properly, as a society, we can do anything.