The holiday season brings joy, connection, and (unfortunately) an increase in scams. Fraudsters often tailor their tactics to each generation, exploiting their values and known habits.
Great Meadow FCU is here to help you stay safe and informed this holiday season: Here’s our guide to the most common scams by generation—and ways to avoid them.
Baby Boomers (1946–1964)
Charity fraud & Medicare scams.
- Tips: Verify charities before donating by checking official websites like Charity Navigator or Guidestar. Be cautious of unsolicited calls or emails claiming to be from Medicare or Social Security—these agencies seldom initiate contact and won’t ask for personal information unexpectedly.
Generation X (1965–1980)
Fake online shopping deals & package delivery fraud.
- Tips: Stick to reputable retailers and avoid clicking pop-up ads or too-good-to-be-true deals. Monitor package deliveries using official carrier apps to avoid falling victim to fake delivery notifications or phishing attempts.
Millennials (1981–1996)
Job or gig fraud & fake rental listings.
- Tips: Be wary of job postings requiring upfront payments or personal information or that send you checks/money orders to “purchase your own equipment.” Research listings and landlords thoroughly for rentals, and avoid paying deposits via untraceable methods (like gift cards).
Gen Z (1997–2012)
Social media giveaways & fake online marketplaces.
Social media giveaways & fake online marketplaces.
- Tips: Follow verified accounts only and avoid clicking on suspicious giveaway links. When shopping through peer-to-peer platforms (Facebook Marketplace, Craigslist, Etsy), check reviews and use secure payment methods.
Gen Alpha (2013–2028)
In-app purchases & fake holiday-themed games.
- Tips: Enable parental controls to prevent unauthorized purchases and talk to your kids about the risks of clicking unfamiliar ads or links, even through trusted apps.
This holiday season, stay alert, stay informed, and enjoy the festivities with peace of mind and without being taken advantage of.
