Ginger
188.2K posts

Ginger
@HandyGingerGal
Tool Babe • Tropical Homesteader • Food Magician • Mother To Dinosaurs • Music Reactions Sidekick• Former 🇨🇦n https://t.co/7Ukca9bAiG




Couple comes in for their annual review. $2.8 million. Well invested. Solid Pension. Completely on track. I ask the question I ask everyone. "How is your daughter doing?" Mom's face changed first. Their daughter is 39. Hasn't asked for anything. Never complained. But she's been in the same apartment for six years. Daycare alone is $1,800 a month. Down payment feels impossible. Dad said "we always figured she'd get it eventually." I pulled up a simple chart. Statistically they live to 88. She inherits at 56. Maybe 60. At 60 her own retirement is eight years away. The money that could change everything at 39 arrives when her finish line is already close. Neither of them had ever seen it framed that way. The annual gift exclusion is $19,000 per parent per child. They can move $38,000 a year to her. No gift tax. No estate implications. Over ten years that's $380,000 transferred while they're healthy enough to watch it matter. Dad looked at his wife. "Why are we waiting?" Most families leave everything at death because nobody showed them the math of giving it while they're alive.




quote this tweet with anything😭





@HandyGingerGal You lie. Only because you bought this product dependant on your or some 3rd party to hang it without knowing a damn thing and now you think you know to all. Pass bitch, your kind isnt really welcome anywhere on earth anymore do better. Or gtfoh











