I would highly recommend that you document the hell out of what is going on. The IRS may be on your posterior like... well, you get the picture. If you think the government doesn't "see" your credit card purchases without your knowledge, you are living in a fantasy world. I do know this for a fact, but will not discuss the particular circumstances, as it came up in a case. And frankly, I'm not too keen on the integrity of some viewers of FT, If your bank deposits aren't somewhat similar to your income, and if your payments on account aren't somewhat similar to what you can afford, etc., you are going to get nabbed. Just be careful - you will end up with a "quality of life" type audit.