Dear Eric: My daughter is in a committed relationship with a partner. My daughter insists that she will never get married. They bought a house and have a child together. We live nearby and see them often, providing backup childcare as needed. They both have good jobs.

Their money is separate. They pay for things separately and have elected not to set up a joint account for household expenses. Not my concern or problem.

Except that my husband and I gifted them $20,000 at the end of the year last year, no intended strings attached. It is for their household/family.

My daughter informed me six months later that they never cashed the check and it is a problem because they do not have joint accounts. I offered to give them both a separate check, or provide a bank transfer, but this was also

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