<prompt> Human: Moved in wher. Have 1 child. Barely any savings.Not hurting for current mortgage, but she stays home. No way to afford 2 mortgages. I have minimal credit card debt, hers is more. No car payments. On that note, both cars are old. Could use a newer one this year. Something with minimal payments, nothing fancy.She wants to get her mother to gift down payment on a new place. Pay what we can back out of eventually selling current place that needs some work. How do people juggle this? Ive done lots of reading on bridge loans, contingencies, but I dont see how that will work for us with no money to fall back on. Even with a gift. Which Im sure would be taxed, right?Would rather have a few months savings at least. Do we take the gift, go for it, and then possibly fall into more debt while waiting for the current place to sell? She thinks her mother would also cover a couple months, but market is random. Could sell quick, could take 6 months or more. Help. Any advice appreciated.  <response>: No there are no taxes on gifts for the recipient. It sounds like you have a relationships problem more than a money problem at the moment. Why does she want a new house? What is your general financial situation like? 