I also do spot checks. I get a number of documents, some as often as weekly, and I can verify the sums easily enough. I confess, I have been pretty lazy about spot checking, but that's because nothing has so far gone unexplained. I have had questions about where my money went when the name of the receiving company is cryptic or the likes (only so many characters in the name field too). So, I've called to ask questions before - which means they know I sometimes verify stuff. They could still hide it fairly well - for a while. At some point, they'd get caught. I am not retarded. I do check on 'em now and then. I also get a giant professionally printed stack of paper, all bound and in a binder, that outlines where most of my money goes. I'm pretty good at spending some without keeping receipts - and doing so in cash. That money just kinda disappears from the record as money spent. Fuck it, they'll tax me on it at a higher rate - as sometimes that money is not supposed to be taxed, like donations or business supplies. I fail to write-off a tidy sum every tax period. It's more effort than it's worth and I like spending cash.