Why Co-Signer Borrowing Capacity Triggers IRS Below-Market Loan Audits Under the OBBBA
Bottom Line: Affending your name as a joint borrower or guarantor on a conventional U.S. mortgage assigns 100% of the
Smart Spending & Lending
Your friendly guide for smart saving ideas, clever lending tips, and ways to support your mates.
From the team behind Chipkie - the platform that helps you lend and loan money to friends and family with no stress, just good karma.Lending Money Tips
- By Max
- On
Family loans come with a hidden legal deadline — learn how the statute of limitations on debt repayment works, why most families miss it, and how to protect your money with proper documentation.
Money & Relationships
- By Max
- On
Learn how to buy a house with friends in 2025 while protecting your finances and your friendship — from legal agreements and mortgage strategies to exit plans every co-buyer needs.
Financial Guides
Kids & Money
Saving Money Hacks
- By Michelle
- On
Discover smart, budget-friendly strategies to build your dream honeymoon fund — from dedicated savings accounts to creative side hustles — without going into debt or draining your emergency fund.
Chipkie Chatter
- By Michelle
- On
Michelle Lomas, founder of Chipkie, shares how an uncomfortable family loan inspired her to build a platform that helps friends and family manage private lending with proper structure and legal protection.