1. Understand what a gold digger is, and is not.

There’s nothing wrong with a person being concerned about your financial stability. A long-term partnership means depending on each other through the ups and downs, and being financially reliable does help with that to a degree. The difference between a gold digger and someone who values your role as a provider is that the gold digger would deride and perhaps leave you if you lost your ability to provide for them financially. A good person can appreciate your financial resources, but a gold digger appreciates only that, and will not see the relationship as worthwhile if you’re not well off. And remember a Gold digger is usually associated with a female but it’s also men who scour for wealthy women too.

2. Gold diggers drop hints that they’re having trouble paying their bills (sometimes they might even ask you directly for a “loan” to tide them over).

They know that you don’t want to see them get an eviction notice, or get their car repossessed, and you’re a good person who’s in a position to help. But there’s a difference between a gold digger and someone who’s just fallen on bad times. What you should be looking for is if, despite their situation, this person is making poor financial decisions for example spending money on luxury items such as new clothes or expensive restaurants.

3. When they discuss their financial woes, suggest ways in which the suspected gold digger can make money fast.

When you mention the possibility of them selling their luxury car, video console, guitar, diamond bracelet, or any other expensive item that could keep them from becoming homeless or having their utilities cut off or car repossessed, how do they respond? The average person will be saddened and may even become angry or upset, but a gold digger will be appalled at the very idea that they should have to give up their prized possessions in order to meet their own basic needs. They’ll treat the idea as ludicrous.

4. Look for a sense of entitlement.

Gold diggers feel that they deserve to be treated well, and that includes knowing that someone is willing to spend money on them. Have you noticed unreasonable expectations of especially favourable treatment? This sense of entitlement is one of the symptoms of narcissistic behaviour, which has other symptoms that a potential gold digger might harbour:

• grandiose sense of self-importance (e.g., exaggerates achievements and talents, expects to be recognized as superior without commensurate achievements)
• preoccupied with fantasies of unlimited success, power, brilliance, beauty, or ideal love
• believes that he or she is “special” and unique and can only be understood by, or should associate with, other special or high-status people (or institutions)
• requires excessive admiration
• lacks empathy, is unwilling to recognize or identify with the feelings and needs of others
• often envious of others or believes that others are envious of him or her

5. Ask them meaningful questions.

• What is the best gift they’ve ever gotten? Gold diggers will almost always cite an expensive, material object, not a uniquely personal and thoughtful gift.
• What’s the biggest thing you ever had to give up to get something you really wanted? What you’re searching for here is evidence of delayed gratification – the ability to give up something now so that you can achieve something greater, later. Gold diggers are notoriously spoiled or sheltered, and have never had to really wait, work, or struggle for what they want because somehow, someone was always there to help.

6. See what questions they ask you.

Certain questions which might seem harmless might really be an attempt to judge your ability to provide. None of these questions, alone, should get you worried but all of them on the first date should definitely send up a red flag:

• How much do you make a year? Why would she/he ask this question? Because a gold digger is a mobile calculator, therefore every question that relates to money is calculated to determine the percentage of the total amount that she/he believes she/he “deserves”.
• Are you a homeowner? And what type of car do you drive? They are trying to determine your overall worth and whether being with you is a profitable investment for them.
• How many kids do you have? Your answer to the question will help her/him determine (calculate) much of your income and attention goes to your children and how much time you can devote to her/him. A gold digger is a needy individual that will take up a lot of your money, time and energy.

7. Search for signs of generosity and gratitude towards you.

After having gone on several dates, has this person ever offered to pay? When you do pay, does he or she say thank you? Do they ever offer to help you in other ways? (And no, physical intimacy doesn’t count); do they cook you dinner when you’ve been out working late? Fix your computer? Run an errand for you when your schedule’s especially tight? If these character traits are missing, is this really someone you want to get involved with? A person doesn’t develop gratitude and generosity overnight…

8. Indulge in a pipe dream.

A pipe dream is basically a long shot. Take one of your childhood fantasies and run with it. Tell the person you’re dating that you’re thinking about becoming the mechanic, farmer, supermodel, writer, [insert dream career here] you’ve always wanted to be. Explain how if you were to ever do this, it would require a significant lifestyle change; you’d have to go back to school, relocate, or whatever would make it clear that your standard of living will go down dramatically. How does this person respond? Do they seem concerned? That’s normal. A good person will encourage you to follow your dreams while simultaneously helping you think of ways to do it practically and responsibly. A gold digger will look horrified or disgusted and say things like “You’re not really serious, are you?” OR they are ready to call it quits and leave because you are paying attention to “you” instead of “them”.

9. Watch yourself.

It feels good to help people, whether you just helped someone avoid becoming homeless, or you’re helping an aspiring artist or entrepreneur launch his or her career, but you have to be careful that you don’t fall into a pattern where your help become the norm, so much so that without your financial assistance, the relationship would crumble. If you’re the kind of person who has trouble saying “no”, or who is intensely sympathetic and compassionate, you’re more likely to bump into a gold digger.

10. Listen to the types of questions you are asked.

Even seemingly innocuous questions like “What do you do?” and “Where do you live?” can be loaded questions, asked in an attempt to ascertain your net worth and lifestyle. In any case, do not answer these questions directly – but start out by explaining your life story. What things happened to you as a child/teenager that shaped the life you live today? A person truly interested in who you are will listen intently and ask questions of a more personal nature – whereas a gold digger will not have the patience to get to know you first; they will only want to find out your current financial position before investing any time in you.