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Not a financial planner.
Monetary gifts to family members does not lower your income. You can set your money on fire for all the government cares, you earned it before you burned it, and thats all that counts. The feds will know how much she makes from her two pensions.
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how many emo kids does it take to change a lightbulb?
HOW MANY?!
none they just sit in the dark and cry
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