It's hard to say. The given information is consistent with either "nothing strange at all", OR someone who is living far above her means using credit, or has sk

It's hard to say. The given information is consistent with either "nothing strange at all", OR someone who is living far above her means using credit, or has sketchy / black-market income sources. For the "nothing strange at all" argument: Median home value in Evansville Indiana is $105700 [1] - even with a bog-standard 30 year mortgage at 4% with no down payment that's a monthly payment of only $505. A relatively small down payment ($20K via help from parents), and/or some fancy (unwise) 5/1 ARM financing could probably get you below $400/month mortgage payment. Depending on age and model and condition, a used BMW can be had for under $3K. If she owns an above-average home and a new/expensive BMW, then I would say there are important details being left out. [1] https://www.zillow.com/evansville-in/home-values/ https://www.zillow.com/evansville-in/home-values/