There are three key points (so far) on RFG's financials:
1. RFG paid capital gains tax in 2004-5. The tax was in excess of $10 K. At the tax rates at the time, this would be a profit of $65,000+. This would mean he liquidated something, e.g. stocks, got the purchase price plus $65 K. If he did really well and doubled his money, he would have a total $130,000 minus the $10,000 tax. If he just made a 50% profit, he would have $195,000 minus the tax ($10,000), or $185,000.
Selling his house, as his residence for more that a year, would have the first $200 k is profit exempt. The house was sold for less than $200,000 net, as it still had a mortgage.
2. RFG's check register showed that he was making telephone transfers from his "SAV" account to "VG." There is no account under his SSN, nor did PEF know anything about it. VG is the banking preface for the British Virgin Island.
3. At some point, a check was written on RFG's account for $10,000 to cash. That is the maximum amount that someone can get in cash (except for some businesses), without it triggering Treasury reports. We know that this was not part of the car payment for the Mini, as RFG wrote a check for $25 k for that.