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 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!"