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How To Write A Check To Your Children

A comprehensive guide to provide tax-optimized financial support

Important Tax Note: Remember that the annual gift tax exclusion is $19,000 per recipient for 2025. Married couples can gift up to $38,000 through gift splitting. Amounts over this threshold may require filing Form 709 with the IRS.

Step 1: Gather Your Materials

  • A checkbook from the bank account you've set aside for your child-incentivizing fund
  • A decent pen (preferably blue or black ink, nothing fancy like glitter or scented ink)
  • Reading glasses (we know you need them)
  • A calculator (your phone has one, but we know you prefer the real thing)

Step 2: Fill Out Your Check

Your Bank's Logo

Your Name

Your Address

City, State ZIP

Check No: 1057

Date: 05/20/2025

PAY TO THE ORDER OF

Your Child's Name

AMOUNT

$19,000.00

Nineteen thousand dollars and 00/100

DOLLARS

MEMO

For Grandchildren Production

Your Signature

  • 1

    Date (top right)

    Write today's date. Not yesterday's. Not tomorrow's. Today's.

  • 2

    Payee ("Pay to the order of")

    Write your child's full legal name, not their childhood nickname "Booger" or "Princess."

  • 3

    Amount (in numbers)

    Write "$19,000.00" clearly. Not "$19K" or "a lot of money."

  • 4

    Amount (in words)

    Write "Nineteen thousand dollars and 00/100" - this is legally binding, so no emoji or shorthand.

  • 5

    Memo

    Write "For Grandchildren Production" or "Future Family Support" - avoid phrases like "Baby Bribe" or "Grandchild Ransom."

  • 6

    Signature

    Sign with your legal signature. Electronic signatures, paw prints, or "X" marks are not accepted.

Step 3: Delivery Methods

  • A

    In Person (Recommended)

    Hand the check directly to your child while saying "So... any plans for starting a family?" Make uncomfortable eye contact for at least 5 seconds.

  • B

    Holiday Card

    Include the check in a holiday card along with photos of yourself looking sad and alone, surrounded by empty picture frames.

  • C

    Mail

    Send via certified mail with delivery confirmation, then call every hour asking if they've received it yet.

Step 4: Follow-Up

For maximum effectiveness, implement one or more of these proven follow-up strategies:

  • Call them daily to ask if they've deposited the check, and if they've started trying for a baby yet.
  • Send articles about declining fertility rates with highlighted passages.
  • Forward real estate listings for houses with multiple bedrooms "just in case."
  • Tag them in Facebook posts featuring cute babies with captions like "Hint hint!"