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Our MAGI is above the $220k mark, but my understanding is that others can contribute to my children's ESAs.

I already have an account I opened 4-5 years ago, which I contributed for 2 years before our income became too high.

Can I can gift $4k to my sister (<MAGI requirements) for her birthday, then link her bank account to these 2 ESA accounts and withdraw $2k into each of them? Or is there a better strategy?

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