Gift has no limit, but you can only deliver $10k per year
So you could buy, say, $30k for wift as gift now and deliver to her $10k in 2023, another 10k in 2024 etc. The key is to lock in the current 7% and 9% for the first year instead of waiting for next year to buy as nobody knows what's inflation will be next year...
可以开一个帐户放2万，还是需要各开一个treasury direct 帐号，各放一万？
or use trust and/or tax refund for $5k per return
Individual - Buying Series I Savings Bonds (treasurydirect.gov)
Individual - Tax Considerations for I Bonds (treasurydirect.gov)
So you could buy, say, $30k for wift as gift now and deliver to her $10k in 2023, another 10k in 2024 etc. The key is to lock in the current 7% and 9% for the first year instead of waiting for next year to buy as nobody knows what's inflation will be next year...
在报税时要付 federal tax，是不是这样就不可以买了。