1001. On this Finance Friday, I’m clearing up the massive confusion surrounding "gift taxes." Many people are terrified to help their loved ones because they fear a surprise tax bill, but the reality is that the thresholds are much higher than you think.

Whether you're helping with a down payment, paying for a grandchild’s tuition, or simply sharing your wealth while you're around to see them enjoy it, there are a few "golden rules" you need to know to stay on the right side of the IRS.

In this episode, we discuss:

• The 2026 Limits: Why you can likely give away millions without ever owing a penny in gift tax.
• The Annual vs. Lifetime Exclusion: How to use the $19,000 annual limit to your advantage.
• The "Direct Payment" Loophole: How to pay for medical or tuition bills without it counting as a gift.
• The Inheritance Trap: Why gifting a house or stocks now might actually cost your children more in taxes later than waiting for a "step-up in basis."
• IRS Form 709: When you actually need to file it (and why it’s not as scary as it sounds).

Find a transcript here.

Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.

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1000. We made it to 1,000! To celebrate this massive milestone, Laura Adams is sticking with the "1,000" theme to help you make the most of your next windfall. Whether it’s a tax refund or a work bonus, discover seven high-impact ways to manage an extra $1,000—from building a bulletproof emergency fund to the power of a Roth IRA. Plus, stay tuned for special guest appearances and tips from long-time listeners and financial experts who have been part of the “Money Girl” journey!

Find a transcript here.

Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.

Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.

Money Girl is a part of Quick and Dirty Tips.

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999. Laura reviews what you should know about using a high-yield savings account (HYSA) and six tips for choosing the best one.

Find a transcript here.

Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.

Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.

Money Girl is a part of Quick and Dirty Tips.

Links:

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