Vivian catches Richard cheating, cuts up his black card, throws wine in his face, and submits the IRS complaint — turning him from a respectable businessman into a public joke. She turns his mother Patricia against him (exposing fake pearl necklace), recruits his mistress Tiffany as a witness, and auctions off all his assets on their front lawn, leaving him with nothing but a blade of grass. But the IRS moves too slowly, so she files with the SEC — accidentally freezing the retirement account of 78‑year‑old retired teacher Agnes. Vivian faces the cost of her revenge for the first time.