Pop quiz: is there an investment account open in your kid's name right now?

If you're not sure, the answer is probably yes. The Treasury says every eligible child under 18 with a Social Security number now has a Trump Account, roughly 70 million kids in all. Social Security has even started tucking claim instructions into the envelope with a newborn's Social Security card.

And if your child was born between January 1, 2025 and December 31, 2028, there's a $1,000 deposit from the Treasury waiting for them. The catch: nothing happens until a parent claims it.

NOTE: We are not taking a political stance here. This is just free money and a powerful investment account that could really change your child’s future if you let it.

So today we're doing two things. First, getting you that free money. Then answering the bigger question: once it's claimed, is a Trump Account where your next dollar should go?

In today's edition of Dinner Table Discussions:

✅ How to claim the account (and the $1,000) in about five minutes
✅ What $1,000 turns into if you leave it alone
✅ Trump Account vs. 529 vs. custodial Roth: where each dollar works hardest

Bon appétit! 🧑‍🍳

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Let's start with the easy part, because there's no debate here: if your child qualifies for the $1,000, claim it. It's free money, invested in the U.S. stock market, in your kid's name.

The harder part comes after. A Trump Account has some real strengths and some real strings, and it isn't the right home for every dollar you save for your kids. We'll walk through both.

Here's how it works, per the official Trump Accounts site and the IRS:

That's it. The money gets invested in a low-cost fund that tracks U.S. stocks, and it stays put until your kid turns 18.

Is your child older than the cutoff? Claim the account anyway. Some older kids are getting $250 from private donors, and the account is ready whenever grandparents or your employer want to chip in.

$1,000 doesn't sound like much. Leave it alone, though, and compounding does the heavy lifting. At a hypothetical 7% average annual return:

Now add $50 a month from birth (about $1.65 a day). By 18, that's roughly $21,500 extra, from $10,800 of actual contributions.

You may have seen much bigger numbers online. The White House Council of Economic Advisers estimates a child who gets the maximum contribution every year could have $303,800 by 18. That assumes $5,000 going in every single year, which isn't realistic for most families. Our $50-a-month version is, though!

Returns are hypothetical and not guaranteed.

Here's where we slow down. Under the hood, a Trump Account works like a traditional IRA for kids, and that comes with rules:

None of that should stop you from claiming the free $1,000. It should shape how much of your own money you put in after that.

Once the $1,000 is claimed, here's how the three main kid accounts stack up:

Here's the order we'd follow:

There's no good reason to leave $1,000 on the table, regardless of political affiliation. Claim it this week, and claim the account even if your child is too old for the deposit.

Then treat the Trump Account as one tool in the kit. It's a simple, low-cost way to own the stock market in your kid's name. A 529 still wins for college, and a custodial Roth still wins once your teen starts earning.

The best part? Your kid gets to watch an account with their name on it grow for 18 years. That's a better money lesson than anything we could write.

Cheers to getting 1% better each week! 🥂

This is not financial advice. Account rules reflect Treasury, IRS and published reporting as of October 28, 2026 and may change. Always do your own research.

We'd love to hear what you decided, and your answer could help another parent figure out theirs.
Just hit reply and share.

Thanks for reading,
Your friends @ Future Funders 🍽️

P.S. Forward this to a friend who had a baby last year and definitely hasn't had time to deal with this. 😁