I originally published this article on February 1, 2026 over on my personal Substack channel. I think it makes sense now to share it with this great community.
The “Trump Accounts Jumpstart the American Dream” of which I’m writing on this morning (officially known as 530A accounts) were recently detailed during a summit on January 28, 2026. Part of the One Big Beautiful Bill, these accounts are essentially tax-advantaged “starter IRAs” for children, designed to create a generation of young investors.
Here is a summary of how they work:
Eligibility: Every American child born between January 1, 2025, and December 31, 2028, is eligible for a one-time $1,000 contribution from the U.S. Treasury.
Older Children: Children under 18 born outside that window can still open accounts, but they do not receive the $1,000 government seed money.
How to Claim: Parents can opt-in by checking a box on the new IRS Form 4547 during tax filing or via a dedicated portal launching this summer at:
https://www.trumpaccounts.gov/
Annual Limits: Parents, relatives, and friends can contribute up to $5,000 per year per child.
Employer Matching: A standout feature is that employers can contribute up to $2,500 per year (which counts toward the $5,000 cap). Major companies like Charles Schwab, Uber, and JP Morgan have already announced matching programs.
Investment Rules: Funds must be invested in low-cost index funds or ETFs (like the S&P 500) with fees capped at 0.10%.
Tax Status: The accounts grow tax-free. When the child turns 18, the account automatically converts to a traditional IRA.
The money is generally “locked” until the child turns 18 to allow for compound growth. After 18, the funds can be used for “American Dream” Milestones, including:
First-time home purchases
Educational expenses (including trade schools)
Starting a business
Long-term retirement (if left to grow)
The Council of Economic Advisers (CEA) estimates that with a maximum annual contribution, an account for a child born today could reach approximately $303,800 by age 18 and over $1 million by age 28. Even with only the $1,000 seed and no further contributions, the account is projected to be worth roughly $18,000 by age 28. CEA
While a really, really good start, why not add on these bells and whistles while we’re at it:
Why the termination date on December 31, 2028? That needs to be extended.
Easy.
Births to US Citizens (native-born and naturalized) were around 3.54 million for 2016 and they’re estimated to be around 3.20 million for 2024. Maybe this will help the birth rate to US Citizens return to its level from 10 years ago—a great thing, The population replacement rate is around 2.10 births per woman, but US Citizen women are only around 1.56—that is a meaningful shortfall, but this new program (especially if made permanent or better yet requiring Congress to renew it every 10 years like Article the Fifth of The Second Bill of Rights (SBOR_At5) provides) will make that count rise some.
(I’m not going to address Fourteenth Amendment birthright citizenship arguments here—I will deal with that in time don’t you worry!)
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At a middle-ground level between those two figures, we are talking about 3.37 million US Citizen children per year—let’s just assume that that figure stays constant over the decades even though it will decrease at below 2.10 births per US Citizen woman.
(I’m also not going to dive into whether a growing, stable, or shrinking US Citizen population is a good, bad or ugly thing—I will also save that for another article.)
So, at $1,000 per US Citizen child across 3.37 million children every year going forward, we are only talking about $3.37 billion of wealth redistribution every year. The US Budget for fiscal year 2026 excluding interest on the debt is estimated at $6.0 trillion—insane!—at that level of drunken sailor spending, this program if made long-term, isn’t even 0.06% of the budget for this fiscal year. No one should care about this then—it isn’t even trivial.
Even if we ratchet down the size of the US government other than paying interest on the debt by say 75% like The Second Bill of Rights ends up causing, we’re still only talking about the budget being $1.5 trillion and this program only getting up to 0.22% of this theoretical budget. No one should care about this then either—it still isn’t even a concern.
The seed money isn’t scaled for inflation, and we all know how quickly that can destroy anything tied to nominal dollar figures. That has to be fixed too.
Easy.
Ratify Article the Eighth of The Second Bill of Rights (SBOR_At8) and terminate that wicked Federal Reserve and let the US House and the Treasury Department handle monetary policy (or leave it the hell alone and let the invisible hand of the market set interest rates for crying out loud) and this still has to be done just to be on the wise side of history. Burn in hell, Woodrow Wilson along with John Burke, William P. G. Harding, Marriner S. Eccles, William McChesney Martin, and the whole lot of the Jekyll Island attendees! Burn! Burn! Burn!
$5,000 per year and that’s it?
This part, at least, is scaled for inflation, but it’s just yet more government control of YOUR money—it’s not theirs. It’s yet another indirect taxation scheme that goes in hand with gift taxes, inheritance taxes, and the like.
Strip the limit completely—gift taxes and inheritance taxes are 100% wrong in the first place, but with all the wild growth of dynasty trusts and the end to that stupid Rule Against Perpetuities in many wise US States, anyone with even eight digits of wealth (or less) can avoid those bogus taxes. Everyone else should be able to do so, so those scams have to finally end. Otherwise, it’s just another indirect tax the “wealthy” can easily avoid.
To that end, get this program out of the blasted Federal tax code entirely.
The Internal Revenue Code (IRC) codified in US Code Title 26 has to go and along with it the Sixteenth Amendment. Thanks again, Woodrow Wilson. Double extra burn in hell for you!
And that is exactly what Article the Seventh of The Second Bill of Rights (SBOR_At7) does. Goodbye forever! The Federal government can go back to generating revenue from customs duties (tariffs) and excise taxes just liked worked fine for 122 years prior to Marxism under Wilson.
I propose a new Title 55 the first statute within which is one that says anything codified in Title 55 explicitly overrules anything NOT in Title 55. That way any conflicting zombie statute clean-up that gets overlooked is ended automatically.
Then move all this goodness, as updated and revised, into Title 55!
hhhmmm . . . whatcha think of that idea?
Why does the Federal government care how much an employer matches into a program like this?
Let employers compete for talent with whatever level of matching they want, ya damned goon government!
Yeah, yeah, yeah—gotta tax evil, greedy corporations. That’s low-education Marxism speaking again. Corporate taxes are DOUBLE taxation under the current scam / scheme—just like gift taxes, inheritance taxes, sales taxes, property taxes, and on and on and on. So much double, triple, quadruple and higher order taxation. No wonder few have anything much.
Yes, a 3% tax was TOO MUCH in 1776.
Why aren’t you voting and up in arms over taxation of over 35% once income taxes, payroll taxes (paid by you and your employer out of your real earnings), property taxes, gift taxes, inheritance taxes, sales & excise taxes, gasoline taxes, and on and on and on. Real taxation rates in the 40% and higher range are the normal course once you have a little something for yourself. Wickedness!
Back to the article though . . .
Starting this at the Federal government level is great!
Let’s see some States (like Florida, Texas, Arizona, Tennessee, Oklahoma, West Virginia, and Wyoming) up the ante (against California, New York, Illinois, Maryland, and Vermont)—pass State statutes that add another $5,000 at birth to DC’s $1,000—or $1,000 every two or three years—or any other variation you can dream up! Compete!
Get on it, Tallahassee!
Then let each county do similarly. Talk about putting gasoline on the fire of county-by-county competition! Over 3,100 individual experiments. Compete!
Get on it, Palm Beach County!
Now, here’s where the REAL action and lifetime empowerment of the individual US Citizen can shine worldwide. Time to lead all the Marxists, communists, socialists, “democracies” and outright pre-history dictatorships like only America can do!
It’s not the list of milestones that needs the tinkering with . . . it’s the annual, monthly, and paycheck-to-paycheck contributions to each US Citizen’s personal fund that need the disciplining from cradle to grave.
(I specifically use that phrasing to appeal to (a/k/a “stick it to”) Marxists of every ilk. Ha!)
(We can discuss how use of any of Trump Account or Title 55 Account monies for “American Dream” Milestones would need to be structured another time.)
Discipline of every sort (especially financial and fiscal) is woefully absent from childhood education and parental rearing, but that must change across the balance of the 21st century. Use this program to effectuate that education and discipline.
Rather than have DC tell your employer that they have to suck 15.3% (half you see easily on your paystub and half DC forces your employer to hide from you on your paystub) of your real paycheck out to fund Social Security and Medicare Ponzi schemes both of which are now under a decade from complete insolvency, require that that same percentage go into each US Citizen’s Title 55 Account for use on their own “American Dream” Milestones across their lifetime and especially their own retirement and healthcare costs when they’re much older?
Just to do some really simple math on that like I always like to do, assume the average person earn the average (median here) amount every year from 18 to 95% of the then-current average lifespan— not 65 years old or some other random and arbitrary figure that gets burnt into psyches nationwide—tie it (and working years) to lifespan upon reaching 18 as that changes over the coming decades.
Currently for the last of Gen Z:
Males at age 18 can expect to live approximately 58.7 more years, reaching a total age of 76.7.
Females at age 18 can expect to live approximately 63.5 more years, reaching a total age of 81.5.
Under the 95% of the then-current average lifespan rule from above, that equates to men living to age 72.9 and women living to age 77.5 (rounding up for both) on average. That seems unfair to women, but those are the facts. Every woman needs to choose her husband EXTRA wisely!
(Want to tie the women’s age to the men’s 95% age too out of equality and men being honorable towards women? I’m probably fine with that. Maybe tie bonus that to remaining married to encourage that incredible institution and the great behavior that that ought to promote intergenerationally. That likely would need some sort of penalty to men who divorce their wives. This is a thicket we can clear another time.)
The median income for every US Citizen age 18 and up who earned any income at all (including all the millions of part-time and seasonal workers) in the US is around $55,500—that is the all-in-cost to their employer for their job—the figure they think they’re earning is after employer-paid payroll taxes are paid around $51,370, which really turns into barely $37,000 of net spendable power after all the double and triple taxation you put up with all day, every day.
You mad yet?
Push just the employee’s half of that 15.3% payroll tax theft into their new Title 55 account starting at 18 for 58.7 years with no “American Dream” Milestones and let it earn a simple 4.00% annually . . . so, that’s an annual investment of $4,245.75 . . . that results in a future value of approximately $954,944.35!
Increase the annual contribution by a paltry $200.32 (or about $16.69 per month) over the $4,245.75 figure from above and everyone hits $1 million in their Title 55 Account upon that age.
or, for you literary purists out there:
And that is $1 million in today’s dollars and price level assuming we can end the damned Federal Reserve and preferably get back onto the gold standard. Frickin’ Nixon! What the hell was he thinking??? Maybe an Ethereum-backed dollar might help—WAY too much for this article though.
BUT, the above $1 million is SOLELY from the individual’s adult lifetime earnings! Their birth to age 18 contributions are on top of that—those were approximately $303,800 by age 18 from the beginning of this article. Did you forget about all that cash?
For purposes of the rest of this article and analysis though, we are going to assume that there’s no juiced parental or other contributions, no added parental employer contributions, no State or county bonus juicings either. You ought to be able to see just how simple that ~$304,000 figure could be above $1 million by age 18 though . . . and that really ought to be the baseline goal for this whole exercise and effort.
We are also going to assume that all that money is used to fund first-time home purchases, educational expenses (including trade schools), starting a business, and best of all, hopefully more than 2.10 grandkids for you per child you have.
And spreadsheets! Lots and lots of awesome spreadsheets!
A 77-year-old male US Citizen can expect to live an average of 9.7 more years to around age 86.7.
A 77-year-old female US Citizen can expect to live an average of 11.5 more years to around age 88.5.
And, none of this takes into account whatever the $1 million at age 18 was used to fund . . . higher education including trade school that juices the base amount contributed annually like crazy, equity in whatever homestead and land that that has become, business equity that isn’t subject to corporate income taxes or capital gains taxes or inheritance taxes etc., and whatever other investments made over those 58.7 years from whatever each US Citizen is able to save on top of this amount (which could be really, really material if the People stop letting governments at all levels suck 35% or more from their actual gross income every paycheck.
Stop them at the voting booth or via your Second Amendment rights, dammit! And, lord the poor, seemingly forgotten Ninth Amendment anywhere and everywhere you can!
With $1 million still earning that same 4.00% interest every year and:
A ten (10) year event horizon (death put nicely), each US Citizen could spend $123,290.94 per year (that’s $10,274.25 per month or a whopping $337.78 every day) for the rest of that 10-year period—just to put this in context, that’s over TRIPLE that person’s lifetime-to-that-point expenditure amount per whatever time period you want to compare it to (year, month, or day). Do you know any retiree with that largess and luxury? I thought not. Housing is paid for in full decades earlier, remember, so this can go to medical expenses, healthy living, a live-in helper person, bucket lists, the grandkids’ Title 55 accounts, private philanthropy, learning a second skill or degree or mirror-finished Lamborghini, if ya want. Get some, grandma!
A twenty-five (25) year event horizon (death put nicely again), each US Citizen could spend $64,011.96 per year (that’s $5,334.33 per month or $175.38 every day) for the rest of that 25-year period. Do that and each of those US Citizens is a bit over 100 years old, and this still has them spending over 130% that person’s lifetime-to-that-point expenditure amount per whatever time period you want to compare it to (year, month, or day). Same questions as in the prior bullet point: Name me one retiree you know spending 130% of their working life amount in retirement? Name names now! 1950s McCarthyism Red Scare style!
A fifty (50) year event horizon, each US Citizen could spend $46,550.20 per year (that’s $3,879.18 per month or $127.53 every day) for the rest of that 50-year period. Anyone doing this is almost 130 years old at their event horizon and has who knows how many great-grandchildren (not even counting children, grandchildren or great-great-grandchildren) that could chip in a few hundred $$$/month for anyone this blessed to live on. Bad ass and super simple math!
That math is just stupid. What would the average US Citizen retired couple do with all that money just laying around? I know what, but that too is for another article another time. Rest assured though that it changes our Republic incredibly and drastically. The 22nd century under a system like I have outlined in this article so easily turns our Republic into something powerful worldwide (and on Mars too for you Elon Musk/SpaceX dreamers out there) that most folks will have a tough time fathoming.
Folks would need to talk to their investment advisors decades from now about the best consumptions / use of proceeds model for them based on the dozens or more main factors that would go into that analysis and plan development, but you all know how I loooooooove making a first proposal from which to work on which to base thinking. So, how about this using the three models bulleted above:
We ought not to use my favorite PLD3 model for this—a 90//9/1 distribution wastes too much of those monies in the first 10 years and leaves too little for years 11-25 and even moreso for years 26-50.
November 8, 2025
Just a short missive to start the day today . . . maybe it’s the start of another area of expertise for me . . . we will see . . .
The Equal Income Distribution: Breaking the $1 million into three tranches of $380,000 for use in years 1 through 10, $350,000 for use in years 11 through 25, and $270,000 for use in years 26 through 50 (a 38/35/27 distribution) is the $46,550.20 per year (that’s $3,879.18 per month or $127.53 every day) model from the third bullet point above. That is our likely most-conservative model. It also is not going to seem like a popular option even for long event horizon planner types like these future generations will likely be. Maybe I’m wrong though . . . you can tell me “I told you so” in like 2128 . . . put the calendar reminder in your Outlook or Google. Ha!
A Better Option: How about a 50/30/20 distribution? This results in $61,645.47 for use in years 1 through 10 (still right at 130% of that person’s lifetime-to-that-point expenditure amount per whatever time period you want to compare it to (year, month, or day)), $39,940.44 for use in years 11 through 25 (just under 85% of that person’s working lifetime expenditure amount per whatever time period you want to compare it to), and $34,129.08 for use in years 26 through 50 (just over 72% of that person’s working lifetime expenditure amount per whatever time period you want to compare it to). I think I’m really liking this option (especially for a married couple who get to double all the amounts) because it allows for medical expenses, healthy living, a live-in helper person, and some bucket list fun (sorry, no mirror-finished Lambo though, grandma) in those critical late 70s and 80s years, and a solid amount for those folks who live into their 90s and early 100s. For the single digit percentage of US Citizens who make it off into their later 100s and into the currently unheard of 120s, having $93.50/day to live off of just from this source is a hell of a lot better than what idiotic Social Security lies to people about being there for them. Burn in super hell, FDR (and any and all supporters of that super scam since 1935 especially including anyone currently), with the Super Devil from Family Guy.
Article the Ninth of The Second Bill of Rights (SBOR_At9) ends Social Security, Medicare, Medicaid and all the rest of those Federal impossible wealth redistribution schemes / scams but only for US Citizens who turn 18 two years after its ratification. For everyone else (including everyone reading this currently no matter your age), it does ABSOLUTELY NOTHING for your lifetime—RE-READ THAT TWICE and then STFU about being afraid of the Federal welfare state finally coming to end circa the early 2100s.
And, FYI—one of the Appendices to The Second Bill of Rights book once published in 2027 has a fully detailed and wrought through financial model in it running out to 2138 under basic and normal bad-normal-great economic conditions scenarios just like any run-of-the-mill economist or MBA would run. All three models work out fine—the normal and great economic condition scenarios are remarkable!
Can’t or don’t want to wait until 2027 to see that science and math? Knock yourself out with a minimum five-digit donation to The Second Bill of Rights project and we can arrange that.
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Anyone seriously wanting to help The Second Bill of Rights project above three digits should message me directly to coordinate that donation directly and not pay ~3% to billionaire payment processor intermediary parasites.
You can’t help but see that taking “Trump Accounts Jumpstart the American Dream” and pushing them along these lines is infinitely better than the Marxism we’re living under.
Just look at the math at a minimum. Scratch any direction even slightly and the incentives to family, multi-generational community and life, extended lifespans and healthspans, and so much more are right there. That insight commands a plug for The Long Tomorrow for sure!
So, let’s get on it biggly time and scare the begeezus out of the rest of the world like we usually do when Marxism isn’t involved!
I have to give credit to one of my law school friends from the mid 1990s, Doug Ibendahl, and his Facebook for being such a font for the seed for this idea yesterday morning. I have another seed idea from his website yesterday morning in the queue too, so stay tuned!
Give his website, Ibendahl on Politics, some TLC too!
That is all.
Steven
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