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The Family Money Playbook

One short guide to the money moves families make — lending, gifting, and saving for kids — with the rules, the tax lines, and a one-page checklist you can keep.

What's inside

  • Family loans — the three rules that keep a loan a loan, the $10k rule, and debt rescue.
  • Gifting & gift tax — the $19,000 exclusion, the lifetime exemption, and Form 709 in plain English.
  • Saving for a child — 529 vs. custodial, the kiddie tax, and 529 superfunding.
  • A one-page checklist — what to do before you lend, give, or save.
  • 2026 figures, written for families without a staffed family office.

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Who it's for

If your family lends money to each other, gives to the next generation, or is putting money aside for kids — and you don't have a staffed family office keeping it all straight — this is the short, plain-English reference for getting it right. It pairs with the free calculators on this site, so you can run your own numbers as you go.

Keep reading

Intra-family loans: the complete guide Gifting & gift tax: the complete guide 529 vs. custodial: the complete guide

The Playbook is general information, not tax, legal, or financial advice. 2026 figures change; confirm current numbers with the IRS and your CPA.