🧨🐷 如何預防殺豬盤？10 招自保守則，保護你和家人
殺豬盤（Romance Scam / Pig-Butchering Scam）不是只發生在「別人」身上。很多受害者都是：
- 有穩定工作、收入正常的人
- 剛搬家、剛離婚、剛失戀、剛退休的人
- 在國外生活、語言不熟悉的華人
這一篇不是要嚇你，而是要給你一個 「可以拿來用的預防清單」。你可以用來保護自己，也可以轉貼給爸媽、朋友、同事。
🧱 1️⃣ 黃金原則：只要是「網路認識」的人要你投資，一律當成詐騙
先把最重要的一句話寫在最前面：
💡 凡是 online 認識的人，只要開始講「投資、教你賺錢、穩賺不賠」，100% 當作詐騙。
- 真心想談戀愛的人：不會每天跟你講投資報酬率。
- 真正的投資專業人士：不會透過交友 app、IG 私訊招攬客戶。
只要記住這一句，你已經擋掉 90% 以上的殺豬盤。
👀 2️⃣ 「第一次出現」這些關鍵字，就要提高警覺
當對方開始出現以下內容，請在心裡拉高警報：
- 「我有一個很穩的投資方式。」
- 「我可以帶你一起賺。」
- 「這個平台只有內部人士知道。」
- 「你不要跟別人說。」
- 「你只要照我做就好。」
⚠ 一個健康的關係，會尊重你的節奏，而不是 push 你 all in。
📱 3️⃣ 交友軟體、IG、WhatsApp 的三大防身設定
🔐 (1) 限制誰可以傳訊息給你
- 盡量關閉「任何人都可以私訊」的設定。
- 不要隨便接受陌生人的 friend request。
🧑💻 (2) 不要在公開頁面放：
- 精確居住城市＋工作公司＋財務狀況
- 剛離婚／剛分手的心情文（會被當成目標）
🕵️♀️ (3) 一律使用「反查」習慣
例如：
- 用 Google 反搜他的照片（看是不是偷來的）
- Check 他說的公司、學校是否存在
- 先用「慢一點」的方式觀察，而不是立刻投入感情
🧊 4️⃣ 感覺太完美、進度太快，就是最大紅旗
殺豬盤最常見的兩個特徵：
- 進度 太快：認識一兩週就說「我好愛你」。
- 條件 太完美：年輕、成功、工作忙又每天陪聊天。
安全的感情關係，會給你時間慢慢認識；
詐騙關係，會在幾週內要你「信任他、依賴他、跟他綁一起」。
💳 5️⃣ 這四種情況，請一律說 NO
如果對方要求你：
- 把錢轉到「他教你的平台」
- 用 USDT / 加密貨幣匯款
- 借信用卡額度、申請貸款來投資
- 不要告訴家人朋友
答案只有一個：NO。
真心為你好的人，不會要你瞞著親友、不會叫你去借錢 all in。
👨👩👧 6️⃣ 如果你擔心家人或朋友可能被騙，可以怎麼開口？
很多人明明覺得不對勁，卻不敢說，怕對方覺得「你在罵我笨」。
你可以這樣開頭：
- 「我不是要批評你，只是最近好多類似的新聞，我有點擔心你。」
- 「我們一起來查查看好不好？如果是好的投資，我也想學。」
- 「如果對方是真的，他會願意你找朋友幫忙看。」
重點不是羞辱對方，而是陪對方一起看清楚。
🧠 7️⃣ 自我檢查：我現在是不是處在「高風險狀態」？
以下這幾種人生階段，特別容易被殺豬盤鎖定：
- 剛離婚、剛分手
- 剛搬到新國家／新城市
- 照顧家人、壓力很大、沒有人可以說話
- 財務壓力大，急著翻身
如果你發現自己剛好在其中一個階段，請對所有「又甜又要你投資」的對話，多一層警覺。
🧾 8️⃣ 殺豬盤預防小清單（可以存起來）
- ✅ 不跟網路認識的人談投資。
- ✅ 不把錢匯給「個人」或「陌生公司」。
- ✅ 不因為怕失去對方，而勉強自己投資。
- ✅ 任何投資，至少讓一位你信任的現實朋友幫你看。
- ✅ 若有一點不安，就先停下來，不急。
你有權利慢慢來、有權利說不、有權利要求透明。
🔚 結語：愛與賺錢，應該讓你更安心，而不是更害怕
真正健康的愛情：
- 不會逼你借錢
- 不會用「不信任我嗎」來綁架你
- 不會讓你每天睡不著、怕錢不見
預防殺豬盤，其實就是：
學會在感情裡保護自己，也保護自己的錢。
如果你懷疑自己或朋友遇到的是殺豬盤，
請參考前兩篇：
🧨🐷 How to Prevent a Romance Scam (Pig-Butchering)?
10 Practical Rules to Protect Yourself & Your Loved Ones
Romance scams don’t only target “naive” people. Many victims are:
- Working professionals with stable income
- Going through divorce, breakup, relocation, or retirement
- Immigrants or expats living alone in a new country
This article gives you a practical prevention checklist you can use for yourself and share with friends, parents, or coworkers.
🧱 1️⃣ Golden Rule:
Anyone you met online who talks about “investment” is a scammer
Let’s start with one simple rule:
💡 If someone you met online starts teaching you how to “invest” or “make easy profit”, treat it as 100% scam.
- Real romantic partners don’t focus on ROI every day.
- Real investment professionals don’t recruit clients through dating apps or random DMs.
If you remember only this rule, you already block more than 90% of romance scams.
👀 2️⃣ Raise a Red Flag When These Topics Appear
Be extra careful when the person starts saying things like:
- “I know a very safe investment.”
- “I can help you make easy profit.”
- “This platform is only for insiders.”
- “Don’t tell anyone else, okay?”
- “Just follow my steps, you don’t need to think too much.”
⚠ A healthy relationship respects your pace and independence.
A scam relationship pushes you to follow and obey.
📱 3️⃣ Safer Settings on Dating Apps, IG, WhatsApp
🔐 (1) Limit who can contact you
- Turn off “anyone can message” if possible.
- Do not accept every friend request or DM from strangers.
🧑💻 (2) Be careful with what you post publicly
- Avoid sharing exact address + employer + income level.
- Avoid posting “I feel so lonely / depressed” type messages publicly.
🕵️♀️ (3) Use reverse checks
- Reverse search their profile photo on Google.
- Verify whether their company / school actually exists.
- Pay attention to inconsistent details in their stories.
🧊 4️⃣ If It Feels Too Fast or Too Perfect, It’s a Red Flag
Two common features of romance scams:
- Too fast: Saying “I love you” within days or weeks.
- Too perfect: Rich, handsome/beautiful, successful, always available to chat.
Healthy connections grow slowly.
Scams rush you into trust, dependence, and financial commitment.
💳 5️⃣ Four Situations Where the Answer Should Always Be “No”
If the person asks you to:
- Transfer money to a platform they recommend
- Buy or send crypto (USDT, BTC, etc.)
- Use credit cards or loans to “invest more”
- Hide everything from your family and friends
The answer is simple: NO.
Someone who truly cares about you will not ask you to risk your financial stability or keep dangerous secrets.
👨👩👧 6️⃣ How to Talk to a Friend or Parent You Suspect Is Being Scammed
Instead of saying “You’re being stupid” (which shuts them down), you can say:
- “I’m not here to judge you. I’ve just seen a lot of news about similar scams.”
- “Can we look at it together? If it’s really a good investment, I might want to learn too.”
- “If this person is genuine, they won’t mind you asking a friend to double-check.”
The goal is not to shame them, but to stand with them and help them see clearly.
🧠 7️⃣ Self-Check: Am I in a High-Risk Period of My Life?
You might be more vulnerable to scams if you are:
- Recently divorced or heartbroken
- Newly arrived in another country or city
- Feeling very isolated or under heavy stress
- Under strong financial pressure and desperate for solutions
If you recognize yourself in these situations, it’s okay — just be extra cautious with online strangers who seem “too nice” and move “too fast”.
🧾 8️⃣ Quick Prevention Checklist (Save or Share This)
- ✅ Never mix romance and investment with people you met online.
- ✅ Never send money to a person or platform you cannot verify independently.
- ✅ Never invest out of fear of losing the relationship.
- ✅ Always let at least one trusted friend review any “amazing opportunity”.
- ✅ If something feels off, pause. Real opportunities can wait.
You have the right to slow down, to ask questions, and to say no.
🔚 Final Thoughts: Love and Money Should Bring Peace, Not Fear
Healthy love:
- Does not demand you borrow money.
- Does not use “Don’t you trust me?” as emotional blackmail.
- Does not make you lose sleep over money.
Preventing romance scams is not about becoming cold or paranoid.
It’s about learning to protect your heart and your wallet at the same time.
If you suspect a romance scam, please also read: