<p>Also, if I’m not mistaken, you’re allowed a non-taxable gift of $10k a year from a family member. I don’t know what kind of under the table job you have, but if it’s, say, working at a family member’s business or something, that might be something to consider. </p>
<p>I’m admittedly not an expert, though. Maybe someone on here can elaborate on this.</p>