was commissioned to write it. i have written several books over the 44 years i have been doing this but they were all business-related books. this particular book for consumers, i was the commission to write by arp and i looked at every scam there is from millennials to seniors to bit coin to crypto currency to investment scam and the thing i realized at the end of writing this book is millennial's fall for scams more often than seniors but seniors lose more money because they have more money. a free scam no matter how sophisticated or how immature there are two red flags. one red flag was i was going to ask you for money but you had to give me that money immediately, give me your bank account number or credit card number, go to walmart, get me a green guard and read me a number off the