The only way for either of us to know 100% is to wait for the audited accounts to come out and see what the cash at bank is & where funds have gone.
But in the mean time personally I don’t agree, they will have budgeted for Saff being off for the year anyway? That combined with selling the car, selling watches/jewellery/clothes, savings & investments, mortgage or other credit product payment holidays, Saff’s maternity pay (or alternatively covid subsidies or bounce back loans she may have been entitled to?), family and friends, the odd ad they’ve done on Insta, Saff briefly returning to work, credit cards and debt, etc etc etc more than cover the relatively normal lifestyle they’re living? Personally I don’t think it’s fair to suspect fraud until you see an upwards jump in standard of living which we just aren’t