PennyLane invented sweet. She has the patent on it. I tried to act sweet one time and she sued me.
I'm trying to reduce some savings (~40K) prior to filing my FAFSA and other aid applications. Is there anything wrong with giving chunks of the money away to three trusted people, keeping it under 12K each for tax reasons? As long as they don't return the money for 3 years it shouldn't have any effect on my need status, right?