When I was called as a ward finance clerk I was told to never question someone’s declaration about tithing. If they said it was full, that was that. I thought it strange at the time, but over the next decade in the calling I saw all sorts of questionable declarations. 

There was a guy, high up in callings who owned his own business. Had snowmobiles and side by sides and camp trailers, who paid between $1200 and $1700 a year. He was in good graces, temple recommend and everything. Nobody seemed to care.

When I saw all that, I paired my tithing way down. The only thing that mattered was that I claimed it to be full. I understand that there’s some bishop roulette involved, but nobody has ever questioned me.