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Frank Arce

President Donald Trump rings a bell to mark the first day of trading for "Trump Accounts" with invited children, NYSE President Lynn Martin, NYSE Chairman Jefferey Sprecher, Susan Dell and others in the Oval Office at the White House on July 6, 2026 in Washington. The accounts are a $1,000 government seed deposit for children born between 2025 and 2028, with family and employer contributions capped at $5,000 annually and restricted to low-cost U.S. equity index funds. (Anna Moneymaker/Getty)

Arellana Barela Levenson and Frank Arce: Trump Accounts are here. Now families need more than a deposit slip.

July 13, 2026 at 5:00 a.m.

The case for Trump Accounts begins with what wealth actually does. An investment account creates access. It does not ensure action.