this post was submitted on 10 Aug 2026
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Let's talk about death taxes in America. You will hear the line about paying taxes when you're alive and then paying taxes when you die. I checked this out a few years ago, so this information is out of date, but that means the exemptions have only gone higher.
While you're alive, you could gift about $10k to each child per year, from each parent. This meant if you had 3 kids, you could do a tax free wealth transfer of $60k per year. When you died, you could give each child $10 million, again per parent. This means the absolute minimum wealth required to pay an estate tax on was $10 million, providing the wealth was held by only one person and they only had one child. If the scenario above was used, with 2 parents owning the wealth jointly and having 3 children, you could transfer $60 million, plus another $600k if you had started working on your estate planning 10 years before you died. And even then, you were only paying taxes on the portion above the tax-free amounts listed above. All of this doesn't even require any trusts or other tax haven't shenanigans.
tl;dr Pretty much anyone who is paying estate taxes can afford to.