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3 Smart Ways to Give Money to Your Kids

Many financial mistakes don’t come from bad intentions—they come from last-minute decisions. If you’re thinking about helping your kids financially in 2026, it’s worth stepping back and asking a deeper question before focusing on IRS limits or tax rules. In this episode of Retire Today, Jeremy Keil (a.k.a. Mr. Retirement) explains why the real question isn’t “How much can I give?” but “Why am I giving in the first place?” He shares a practical framework to help retirees think about financial gifts to their children in a more intentional way—avoiding family tension, unnecessary taxes, and decisions made under December deadlines. Jeremy breaks down three common reasons parents give money to their kids: timing, relief, and experience. Whether the goal is giving earlier in life, helping during a difficult moment, or creating meaningful family experiences, understanding the purpose behind the gift can help ensure the money actually accomplishes what you hope it will. Chapters 0:20 Why most people think about gifting in December 1:05 The wrong first question: “What’s the maximum?” 2:13 Start with why you want to give money 4:13 The three reasons parents give money to their kids 4:38 Timing: giving earlier instead of waiting for inheritance 5:15 Relief: helping during a financial challenge 6:42 Experience: creating family memories together 7:46 Market highs and gifting appreciated investments 8:31 The $19,000 annual gift exclusion rule 9:03 Why sharing the meaning behind the gift matters 9:45 Start planning your gifting strategy early #RetirementPlanning #RetirementStrategy #FinancialPlanning #RetireEarly #RetireToday #mrretirement Links: Buy Jeremy’s book - Retire Today: Create Your Retirement Master Plan in 5 Simple Steps - https://amzn.to/4mVxwG7 Read Jeremy’s article in Kiplinger magazine: “How to Give Your Kids Cash Gifts Without Triggering IRS Paperwork” https://www.kiplinger.com/taxes/tax-p... What is the IRS Gift Tax Limit for 2026? - Mr. Retirement YouTube Channel -    • What is the IRS Gift Tax Limit for 2026?   Should You Give Away Your Money in Retirement? - Retire Today Episode 270 -    • Should You Give Away Your Money in Retirem...   ** Buy Jeremy's new book, Retire Today! ** https://amzn.to/4nzlIJN *** Learn how to: Maximize Your Retirement Income Lower Your Lifetime Tax Bill Avoid Mistake with Your Pension Get the Most out of Social Security ** Buy Jeremy's new book, Retire Today! ** https://amzn.to/4nzlIJN === If you’re trying to find the answers to these questions: How do I get the most money out of my Social Security & Pension? How do I lower my lifetime tax bill? How do I turn my $500k+ retirement savings into retirement income? Then schedule an intro call with my team at Keil Financial Partners: https://calendly.com/d/3wq-24m-d4p === Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past Performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC - including its services, fees and any material conflicts of interest - can be found at https://adviserinfo.sec.gov/firm/summ... or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm's written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. For important disclosures visit www.keilfp.com/disclosures