@Helen123 , please note that the figure of US$164,000 is associated with a decedent's gift
" If the decedent's spouse is not a U. S. citizen, the annual exclusion for gifts made to the decedent’s spouse in 2022 is $164,000to a Non-Resident Alien Spouse "
from Pub 559 ---
Publication 559 (2022), Survivors, Executors, and Administrators | Internal Revenue Service (irs.gov...
I don't believe that is applicable to your case -- you is quite alive and far from being a decedent ( hopefully NOT for a long, long , long, time
