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A common misconception is that gifts within a family are taxed. They are, but only after one exceeds the lifetime limit. That limit is around $11M (per parent). It is true that if you exceed a certain amount per year you have to fill out a form, but that is not to be confused with paying actual tax on the excess gift. It's good that you feel the same about the inheritance tax because it's the same tax code that govern each.


Note that it's only if reportable gifts exclude the limit, nonreportable gifts (below the annual limit) don't count against the lifetime limit.

Also, both limits tend to go up over time, so it's a moving target.




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