I might be wrong but don't gifts count against the recipient's annual $10k limit? That is, you could only give $2k to someone who has purchased $8k for themselv

I might be wrong but don't gifts count against the recipient's annual $10k limit? That is, you could only give $2k to someone who has purchased $8k for themselves, all within the same year? Though, here is a Bogleheads thread where people suggest buying gift bonds even beyond 10k as you mention, to get higher interest rates now, storing them in the TreasuryDirect "gift box" until a year where the recipient comes in under the limit and they can be transferred. https://www.bogleheads.org/forum/viewtopic.php?t=306297 https://www.bogleheads.org/forum/viewtopic.php?t=306297 edit, adding: https://thefinancebuff.com/buy-i-bonds-as-gift.html#htoc-purchase-limit https://thefinancebuff.com/buy-i-bonds-as-gift.html#htoc-pur...