I’ve been working with computers since the 1970s and online since the early days of dial-up. I started on a 110-baud teletype, ran a couple of bulletin board systems way back when, and remember what a big leap it was to move up from 300 baud to a faster modem. Before the internet, of course, there were CompuServe and AOL. I’ve watched the internet evolve from a curiosity into the backbone of modern life. Along the way, I’ve learned some lessons the hard way and others by watching people around me make expensive mistakes.
Nobody learns this from reading a book about cybersecurity. These lessons come from decades of building websites, protecting systems, and helping people get through the digital world without getting burned.
The con has barely changed. The tricks that used to arrive by mail and phone now arrive by text and email, and they still work on smart, careful people who are tired or rushed or trying to help somebody. Getting scammed says nothing about your intelligence, and people who make a living exploiting ordinary trust deserve contempt.
Why do get-rich-quick schemes fail online?
| Area | What to do | Why |
|---|---|---|
| Easy money offers | Be skeptical and research before you invest. | If you must recruit others to make money, you are the product. |
| Online purchases | Use a credit card, not a debit card. | A debit card pulls straight from checking; credit puts the bank’s money at risk first. |
| Saved card details | Never store cards on sites you do not completely trust. | That database might get breached next month. |
| Online presence | Build a website on your own domain. | Platforms and algorithms change, and accounts can disappear. |
| Domain registrar | Read reviews and compare renewal prices. | Some triple the price at renewal. |
| Software updates | Say yes when your system or browser asks to update. | Hackers exploit vulnerabilities within hours of disclosure. |
| Backups | Back up regularly, automatically if possible. | The backup that matters is the one that exists when the drive dies. |
| Email attachments | Do not open unexpected attachments; verify first. | Compromised accounts send malware to everyone in the contact list. |
| Personal information | Think before you post and limit personal details. | They answer security questions and make you easier to impersonate. |
If an opportunity requires you to recruit others to make money, you’re not the customer.Share on X
Every week, someone sends me a link to the latest opportunity that’s going to make them wealthy. Crypto schemes. Dropshipping courses. AI-powered trading bots. The pitches change, but the pattern stays the same: invest a little money now, get rich later.
Forty years have taught me this: if someone promises easy money, they’re making easy money off you.
The internet didn’t invent scams, but it made them scalable. A con artist in 1980 could fleece maybe a dozen people. Today, the same scammer can reach millions with a single email blast or social media ad. The volume has changed. The underlying psychology hasn’t.
Be skeptical of everything that involves your money, and research before you invest. If an opportunity requires you to recruit others to make money, you’re the product being sold. I’ve got nothing but contempt for the people selling those courses and bots, because they know the numbers and they aim the pitch at the people who can least afford to lose.
Protect Your Money Online
When you buy something online, use a credit card instead of a debit card. It’s basic risk management, and it still amazes me how many people hand a debit card number to a website they found ten minutes earlier.
A debit card pulls money directly from your checking account.
If someone steals the number and drains your account, you’re fighting to get your own money back while your rent check bounces. A credit card puts the bank’s money at risk first. You dispute the charge, and the bank handles the investigation while your actual cash stays safe.
Most credit cards also offer fraud protection, purchase protection, and the ability to dispute charges if a merchant doesn’t deliver what they promised. These protections exist because the credit card company wants to keep your business. Use them.
One more thing: never store your credit card information on websites you don’t completely trust. The convenience of one-click purchasing isn’t worth the risk of having your card number sitting in a database that might get breached next month.
Your Website Is Your Foundation
If you’re building any kind of online presence, you need a website you control. Social media platforms come and go. Algorithms change overnight. The account you spent years building can disappear because some automated system flagged you by mistake.
Your own website, with your own domain name, belongs to you. Nobody can take it away because they changed their terms of service.
I wouldn’t trust any platform with a business I cared about. They owe you nothing, and the day an automated system decides you broke a rule, years of work can vanish before a person ever looks at it.
Learning basic web design isn’t as hard as it used to be. Platforms like WordPress let you build a professional-looking site without writing code. But understanding the fundamentals helps you make better decisions and avoid getting ripped off by web developers who charge premium prices for basic work.
I wouldn’t trust any platform with a business I cared about.
When you choose a domain registrar, don’t just go with the biggest name. Read reviews. Compare prices for registration and renewal, because some companies offer cheap first-year rates and then triple the price when it’s time to renew. Look at what’s included: privacy protection, DNS management, easy transfers. A domain name is a long-term investment. Choose a registrar you can live with for years.
What Online Security Basics Matter Most?
Most people know they should have antivirus software and a firewall. Most people also ignore the update notifications until their computer forces them to restart.
Those updates matter. Software vulnerabilities get discovered constantly, and hackers exploit them within hours of public disclosure. When your operating system or browser asks to update, say yes. The five minutes of inconvenience beats the days of recovery after a malware infection.
Back up your data. Not occasionally. Regularly. Automatically, if possible. Use an external drive, a cloud service, or both. The only backup that matters is the one that exists when your hard drive dies or ransomware encrypts your files.
Email attachments remain among the most common attack vectors. If you weren’t expecting an attachment, don’t open it. If the email seems slightly off, even from someone you know, verify before clicking.
Hackers compromise email accounts and send malware to everyone in the contact list. Your friend’s email address doesn’t guarantee your friend sent the message.
I wrote an entire book on this topic because it matters that much. Family Cybersecurity covers everything from protecting your kids online to securing your home network. The threats keep evolving, but the fundamentals of staying safe haven’t changed as much as you might think.
Is your online reputation permanent?
Everything you post online can be screenshot, archived, and preserved forever. That angry comment you deleted five minutes later? Someone saved it. That photo from a party ten years ago? It’s still floating around somewhere.
None of that is paranoia. Employers search candidates’ names before interviews. Clients research freelancers before hiring them. Your online presence shapes how people perceive you before they ever meet you.
Think before you post. Ask whether something might offend someone, and ask whether it represents who you want to be professionally. A positive online reputation takes years to build. Destroying it takes one viral moment of poor judgment.
Also, be careful how much personal information you share. Your birthday, your hometown, your mother’s maiden name, the street you grew up on. Social media quizzes love them, and they’re also the answers to security questions that protect your bank accounts. Every piece of personal information you share publicly makes you easier to impersonate.
Writers and the Digital Economy
The internet created more opportunities for writers than any technology in history. Content marketing, blogging, copywriting, ghostwriting, self-publishing. Words drive the digital economy, and someone has to write them.
Content creators build audiences and monetize through ads, sponsorships, and affiliate marketing. Copywriters craft the words that sell products and services. Ghostwriters help executives, entrepreneurs, and thought leaders establish their expertise through books and articles they don’t have time to write themselves.
If you can write clearly and meet deadlines, there’s work available. The competition is fierce, but so is the demand. Businesses need content constantly. Most of them can’t produce it internally. That gap between supply and demand creates opportunity for anyone willing to do the work.
The writers who succeed online treat it like a business. They market themselves, build relationships with clients, and deliver consistent quality, and they price their work knowing it has a measurable impact on their clients’ success.
What I’d warn writers about is the scam economy aimed at them: courses that promise work, and opportunities that ask the writer to pay first. Real clients pay you. Anyone who wants your money before you’ve written a word for them is selling you something, and it won’t be a career.
My take
Anyone who wants your money before you’ve written a word for them isn’t a client. Real clients pay you. I’ve been online since the dial-up days, and the scam economy aimed at writers has never gone away. Skip the courses that promise work and the opportunities that ask you to pay first. Treat writing like a business, market yourself, and deliver steady quality. The demand for content is there for anyone willing to do the work.
The Long Game
A sustainable online presence takes time. There are no shortcuts that don’t eventually collapse. The people who succeed are the ones who show up consistently, deliver value, protect their reputation, and adapt as conditions change.
Stay informed about new threats and new opportunities. Remain skeptical of anyone promising fast results. Keep learning, because the internet in five years won’t look like the internet today.
The digital world rewards patience and punishes recklessness, and the reckless held up as success stories set a bad example. Every decision you make online, from the passwords you choose to the content you publish, adds up over time. The people selling shortcuts will be gone by next year, and you’ll still be living with whatever you handed them.
Online safety starts at home. Family Cybersecurity is my book on protecting the people who live in your house, opening with a ransomware attack that took thirty years of family photos.
Frequently Asked Questions
- Lost or Stolen Credit, ATM, and Debit Cards, Federal Trade Commission
- Update Software, Cybersecurity and Infrastructure Security Agency (CISA)
- LastPass reveals hacker copied encrypted customer password vaults, SiliconANGLE
My own defense against phishing is a password manager. I do all my logins through Sticky Password. It keeps its database locally, and if it doesn’t recognize the URL, it won’t log me in. LastPass, a security company, had serious breaches, and in 2022 attackers stole copies of customers’ encrypted password vaults.
