<prompt> Human: Hello rPersonalFinance. Ive made a throwaway since some friends know my username and we wouldnt want them knowing about this. But my girlfriend and I are about to buy a house. She just recently found out that at the time she had about 130,000 in stocks that her grandparents had put in for her while she was younger. This is awesome, and more recently, the prices in the stocks have went up to 145,000 is what the most recent statement has said. The stocks did have a family member as a guardian of the account. But its since been changed over to her name. Now were at a kind of hard spot. Taxes have never been paid on these stocks. Thats a big worry for her and it also worries her how much will be taken out of these stocks. Shes supposed to set up an appointment with a tax adviser on the best way to take the money out while paying the least amount in taxes possible. Some of this is our down payment money, so we kind of need it soon. I just wanted to see if anybody here might have some ideas on what we could possibly do to make this go faster, and take it out while paying the least amount of taxes.  <response>: Advice - dont buy a house together unless youre married. 