Deb & phil:Thanks. What it comes down to is this: In order for her to have enough money to live out her retirement, I will probably have to add to her savings. If she and I can realize a tax savings by doing so, it would be preferable. I doubt anything I give her will take us over the federal inheritance tax threshold. I am thinking more like $10k a year for 5 years, from my wife and I.Splotto
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