不要與孩子聯名。 你可以給多於 19000， 你需要報稅，但通常不欠稅。google 見內：

As of 2025, you can gift up to $19,000 per recipient annually without incurring gift taxes. Married couples can gift up to $38,000 per recipient. Gifts exceeding these amounts may require filing a gift tax return (Form 709), but taxes are generally not owed unless the lifetime gift tax exemption ($13.99 million in 2025) is exceeded. The recipient of the gift usually does not have to pay taxes on the money.