When it comes to helping your kids financially, most boomers face a tricky question: how do you transfer money without the IRS taking a huge cut? Read More: How Much You Need To Earn To Be Upper Middle Class in Every State Discover Next: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too I talked with Lance Morgan, financial expert and founder of College Funding Secrets, to find out the smartest strategy. His answer centered on a specific dollar amount that caught me off gu ...