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WhileNotLurking t1_iu0awp3 wrote

Edit: I'm an idiot. By the end of the year it should be fine. Just not before the rates change.

It's not going to happen that fast. Even if you priority overnighted the form it would be own to two business days before the cut off - and there are likely hundreds of others in front of you.

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great9904 OP t1_iu0bism wrote

Okay thanks! Yeah I know it won’t happen before the rate changes. The plan was to buy $10k for each of us and then each buy a $10k gift for 2023, but my account didn’t get verified so I was hoping we could at least have my husband gift me $10k this year (buying it now with the rate now) and then he’ll also gift me $10k in 2023

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