What to do if you're afraid to open that link/attachment

I've seen many sellers around here who had to go through the pain of having their accounts hijacked by malicious hackers and stolen their money :( These hackers usually send you a link that, when clicked, will install some malware on your system, or they will send you an attachment that, when opened, will either take over your system just for fun, or install some malware (keyloggers most of the time) - these will not only hijack your fiverr account, but also your emails & paypal account.

So I though it would be good to have a topic only on this matter and ask everyone to tell us what they do to stay safe from hackers (obviously excluding antivirus solutions since most people already have them installed).

Below are my tips that I strictly follow after having my account hacked a few years ago by a hacker who stole 200 bucks from me:

1. if you get a message that sounds too good to be true, it most likely is - anything that includes money / work offers should be reported as spam;
   
   
2. never give your email address, phone number, facebook or other of your accounts to anyone - doing so could hurt you in more ways than you can possibly think; almost anyone who asks for your email or phone number has nothing but bad intentions, not to mention that Fiverr's TOS doesn't allow publication of email addresses or phone numbers and you will risk being removed from Fiverr altogether
   
   
3. if you get a message from someone telling you to click a link just for the sake of it or to help them out, or who's offering you some other money-making alternatives at a specific link, don't even think about clicking it: 5% of the time it's indeed nothing but a harmless link from a user who just wants to attract traffic to his/her website, but the rest of 95% represents actual hacking attempts through the use of malicious websites or attachments - are you willing to risk? That's what I thought :)
   
   
4. never type your passwords in text fields (what if you're already infected with a keylogger that steals everything you type?), but rather use a password managing software that copy-pastes your passwords for you into those fields, or if you don't