Free download

The Family Money Playbook

One short guide to the money moves families make: lending, gifting and saving for kids. 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.
  • 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.

Get the Playbook

The whole thing, free, as a PDF. No email, no sign-up.

Download the Playbook (PDF)

Who it's for

It's for families who lend to each other, give to the next generation, or put money aside for kids, with no family office keeping it all straight. It's the short 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: how they work Gifting & gift tax: how it works 529 vs. custodial accounts

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