this post was submitted on 15 Jan 2026
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Showerthoughts

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A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The most popular seem to be lighthearted clever little truths, hidden in daily life.

Here are some examples to inspire your own showerthoughts:

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There's a financial 'sweet spot' for my kids regarding when i pass. Before retirement we're still adding to savings. After retirement it gets tricky with health and lifestyle.

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[–] Ludicrous0251@piefed.zip 5 points 23 hours ago (1 children)

No it doesn't. tl;dr - (as of 2025) $19k/individual/year is tax free (so one couple could give another couple up to $76k/yr)

Any gifts above that limit needs to be reported but is still tax free, it just whittles away at your lifetime exclusion (which is the same bucket of money as your estate tax exemption - currently $15M).

The gift giver pays the tax only once they exceed the lifetime exemption. There is no tax for receiving gifts.

For 99.99% of Americans, there is no gift tax.

[–] GreyEyedGhost@piefed.ca 2 points 23 hours ago

This is what kills me about people complaining about inheritance tax. Oh, you're worried you'll only be able to give each child $15M? Plus $19k/year before you die? I wish my kids had to struggle with only $15M when I die.