text:  okay, I'm setting aside a certain dollar amount to give to these charities every year. I mean, there might be a case where I am, but it's definitely not in my budget like some people. But we're talking about this concept of gifting. Let's remove the charitable side of it, right, where there's no tax implications. So you just have a family member, let's say you have a child that you want to give some money to or a friend or a family member. There's a wide misconception that that gift results in taxes, meaning, Nick, if I was going to gift you some money, write you a check,