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Free guide for parents

The Timing Gift

Why the same inheritance means more in your child’s 30s/40s than in their 50s/60s

A practical, honest guide for parents who have the means to help an adult child buy a home now, and want to know it will help, not hurt, before they do it.

  • The timing gap, in dollars: the same $200,000 gift at 35 versus at 55
  • Why a down payment can do more than a check into savings
  • The signs your adult child is ready, and what to do if they aren’t yet
  • The 2026 gift rules to know before you talk to your CPA
  • The five-question money check Chelsea uses with every buyer

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Cover of The Timing Gift, a guide for parents by Chelsea Glauber
What’s inside

Seven short parts, about ten pages

  1. The money exists. The problem is when it arrives. Most people inherit in their late 50s. First-time buyers are now around 40.
  2. Why real estate is the right vehicle. Leverage, income, and a habit, not just an asset, including the case for a small multifamily property.
  3. The fear beneath the question. Will a gift take away your child’s drive? What actually makes the difference.
  4. This isn’t the right move for every family. A checklist of signs your adult child is ready.
  5. How much can you actually give? The 2026 annual exclusion and lifetime exemption, and why a CPA and estate attorney set the number.
  6. Prepare your child before you hand over the down payment. The five-question monthly money check.
  7. What you get to witness. The part no estate plan can replicate.
Chelsea Glauber
From Chelsea Glauber

I’m a financial coach, REALTOR®, and mortgage broker in Pasadena. My own mother gave me part of my inheritance early, and it changed my life. I wrote this guide for parents weighing the same decision, so you can make it with clear numbers and a plan.

DRE #02154427 · NMLS #2013985 · Read the story: Should I Give My Kids Their Inheritance Now or Wait?

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The guide is educational only and is not financial, tax, legal, or investment advice. Please consult a CPA and an estate planning attorney before making any gifting decisions.