Supporting unemployed girlfriend with $3000/month deposits - tax implications?

Wait, so if I'm understanding correctly, he needs to file something because it's over $18k/year but likely won't owe taxes? Does it make any difference if they're living together and this is essentially him covering shared expenses? Also, does it matter that he's taking cash out instead of just transferring money electronically?

Yes, if the total gifts exceed $18,000 in 2025, he would need to file Form 709 (gift tax return), but it's highly unlikely he'd actually owe any gift tax since it would just count against his lifetime exemption. If the money is being used for shared expenses while living together, there might be an argument that some of this isn't a gift but rather his contribution to household expenses. However, since it's going directly into her account rather than being used to directly pay bills, the IRS would likely still view it as a gift. This is especially true since she's not working and presumably not contributing financially. The cash withdrawal versus electronic transfer doesn't change the tax treatment - the IRS cares about the substance of the transaction, not the method. Though frequent large cash deposits might trigger bank reporting requirements (CTRs for transactions over $10,000, or suspicious activity reports if the bank thinks you're trying to avoid reporting).

How does this tool actually work? Do you upload financial docs or just answer questions? I'm in a somewhat similar situation but with supporting my elderly mom, not a partner.

Sounds convenient but I'm skeptical. Does it actually give personalized advice or just generic info you could find on the IRS website? And how much does it cost?

You mainly answer questions about your financial situation, though you can upload docs if you have them. It asks relevant follow-up questions based on your answers, which I found really helpful. For your mom situation, it would definitely ask about dependent status versus gifts, which is a whole different tax consideration. It does give personalized advice based on your specific circumstances, not just generic info. What impressed me was that it pointed out specific strategies for my situation that weren't obvious from just reading IRS publications. For example, it explained how paying certain expenses directly (like medical bills or tuition) doesn't count toward the gift tax limit at all.

Okay I'm confused - how does this actually work? The IRS never calls people back as far as I know. Do you pay them to somehow jump the queue or something?

Yeah right. The IRS called you back "within hours." I've been trying to reach someone for months about an audit notice. There's no magic bullet for IRS contact - you just wait on hold forever like everyone else.

It's actually pretty simple - they use technology to navigate the IRS phone system and secure a callback appointment for you. It's the same callback system the IRS already offers, but Claimyr does the waiting on hold part for you. You just get notified when they've secured a spot in line. Look, I was skeptical too. I spent literal weeks trying to get through on my own. But the IRS does have a callback feature - the problem is getting to the point where you're offered one since the lines are always "too busy." That's what this service helps with. I'm just sharing what worked for me with the gift tax question - believe it or not, but it saved me hours of frustration.

That's actually a really good point that I hadn't considered. We've been together for three years and have talked openly about finances, but I don't want her to feel like she's losing her independence. Maybe we should establish a more formal agreement about expectations during this period. Do you have any specific suggestions for how to structure this kind of temporary support without creating weird dynamics?

In my experience, having a specific timeframe and budget helps a lot. Maybe sit down together and create a temporary "support plan" with an end date or specific milestone (like when she finds a new job). For the actual mechanics, consider a joint account specifically for shared expenses that you both have access to, rather than just depositing into her personal account. That way it feels more like a shared resource than "your money." And definitely have regular check-ins about how you both feel about the arrangement - these things can create resentment if not discussed openly.

This is a really important point. I'm a bookkeeper and I've seen self-employed clients get in trouble for poor cash withdrawal documentation. Make sure you're recording these as owner's draws or distributions, not as business expenses!