A Gift for your Kids or Helping the IRS Get RIcher?
- Mickie Giacomini
- Oct 30
- 2 min read
💸 Are you truly helping your kids by gifting them money—or are you just helping the IRS get richer? In this episode of Money Matters with Marshall & Mickie, we unpack the hidden tax traps of gifting money to children and share smarter ways to build generational wealth.
🎥 Watch the full episode here: https://youtu.be/Aa5rB361NSc
Every parent dreams of setting their children up for success. Maybe you’ve helped with a down payment, covered student loans, or gifted a little extra cash “just because.” But here’s the tough question: Are those gifts really helping your kids—or are they helping the IRS get richer?
In this episode of Money Matters with Marshall & Mickie, we dig deep into the hidden tax traps of gifting money to children and share smarter, more strategic ways to build true generational wealth.
🎯 What You’ll Learn in This Episode
💣 The Hidden Risks of Gifting Money
Even well-intentioned gifts can trigger unexpected tax consequences. Marshall and Mickie explain why simply writing a check might not be as harmless as it seems—and how those “gifts” could shrink your wealth faster than you think.
💰 How the IRS Benefits More Than Your Kids
Without the right planning, your generosity might end up being a gift to the IRS. Learn how to avoid common mistakes that can cause your money to flow straight into government hands instead of staying in your family’s financial ecosystem.
🏦 Smarter Strategies for Generational Wealth
From structured investment accounts to family trusts and legacy planning, there are smarter ways to pass down wealth. Marshall and Mickie reveal options that help your money work harder and last longer for generations to come.
📈 Tax-Efficient Ways to Support Your Children’s Future
Whether it’s funding education, investing for them, or helping them start a business, this episode breaks down practical, tax-smart methods to support your kids—without sacrificing your retirement or triggering unnecessary taxes.
🎥 Watch the full episode: https://youtu.be/Aa5rB361NSc
💬 “Helping your kids is noble—but helping them wisely is powerful,” Marshall says. “A well-planned gift builds independence, not dependency—and keeps the IRS out of your family’s wallet.”
💬 Join the Conversation
Do you think gifting money helps—or hurts—long-term wealth? Share your thoughts in the comments below and let us know what you’d do differently after hearing this episode.
💡 What to Watch Next
🎓 Which Education Plan is Right for Your Child?Make sure your child’s education savings plan works as hard as you do.
▶️ Check out our YouTube Shorts playlist for quick, practical money tips:https://www.youtube.com/playlist?list=PLqc82_m8d_W5Zk_FbkpTOoSCEyhOLSuDq
👥 Meet Your Hosts
Marshall Goins – A Dave Ramsey SmartVestor PRO who helps families create and protect lasting financial independence through personalized planning.
Mickie Giacomini – Director of Marketing for Clarion Advisors and real estate expert passionate about helping families build wealth through property and smart investing.
📩 Want to be a guest on the show?Send your resume to: MarketingDirector@clarionadvisors.com
🌐 Schedule a free consultation: www.ClarionAdvisors.com/contact
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