President Donald Trump signed the historic “Big Beautiful Bill (BBB)” into law on July 4, 2025, at the White House.
The star-studded event featured B‑2 bomber flyovers, bagpipe bands, and a massive gathering of patriotic Americans celebrating what has already been hailed as Trump’s most transformative legislative triumph yet.
Among the bill’s centerpiece provisions is a revolutionary initiative conservatives have championed since the House‑passed version: every American baby born between January 1, 2025, and December 31, 2028, will receive a $1,000–seeded tax‑deferred “Trump Account.”
Parents can add up to $5,000 annually, invested in low‑cost U.S. index funds, to support college, homeownership, or entrepreneurship.
“This is a pro-family initiative that will help millions of Americans harness the strength of our economy to lift up the next generation, and they’ll really be getting a big jump on life,” Trump said last month.
Rep. Michael Baumgartner (R-WA) praised the new law, saying, “The OBBB’s measure to start a free investment account for every new baby born will be HUGE for helping America’s working families!”
The OBBB’s measure to start a free investment account for every new baby born will be HUGE for helping America’s working families! https://t.co/zm56nl25oZ
— Congressman Michael Baumgartner (@RepBaumgartner) July 4, 2025
According to the press release issued last month:
President Donald J. Trump joined top business leaders and lawmakers to hail the creation of “Trump Accounts” — a provision in the One Big Beautiful Bill that will create tax-deferred investment accounts for all newborn American children.
Trump Accounts for newborns will be seeded with a one-time government contribution of $1,000. The accounts will track a stock index and allow for additional private contributions of up to $5,000 per year. This will afford a generation of children the chance to experience the miracle of compounded growth and set them on a course for prosperity from the very beginning.
Here’s what they’re saying:
Dell CEO Michael Dell: “We see … the establishment of these Trump Accounts as a simple yet powerful way to transform lives. Decades of research has shown that giving children a financial head start profoundly impacts their long-term success. With these accounts, children will be much more likely to graduate from college, to start a business, to buy a home, and achieve lifelong financial stability.”
Goldman Sachs CEO David Solomon: “This initiative gets at the core of binding those future generations to the benefits and the potential of America’s great companies and markets. Early childhood investments have far-reaching benefits, and Goldman Sachs is proud to support his initiative … Our economy’s future vitality is dependent on young people understanding the power of investing for the long term.”
Uber CEO Dara Khosrowshahi: “What if we could give that same powerful, real, tangible hope that comes from having a stake in your own future and a stake in the best companies in the world to every single child that’s born in this country? That’s the promise of the Invest in America Act. It’s not just an account; it’s a launchpad. It puts the unstoppable engine of compounding to work for our kids, building a future for them from day one.”
Altimeter Capital CEO Brad Gerstner: “This is aligning every child in America with the upside of free markets and the benefits, and that is your Main Street agenda … It makes America an ownership society again because all of those kids will see the benefit of compounding interest … You are giving the shot for every American to feel like they’re in the game again.”
Speaker Mike Johnson: “If you have a 401(k), you understand the power of investing early for the future. Trump Accounts take that same principle and they apply it from the very beginning of Americans’ lives … It’s a bold, transformative policy that gives every eligible American child a financial head start from day one … Trump Accounts are all about setting up the next generation for success.”
House Ways & Means Committee Chair Jason Smith: “The Trump investment accounts will be a game-changer for new parents even before their newborn baby can walk or talk. Their child will have money saved to one day learn a trade, start a business, or to buy a home. Every child born under this policy will have a better shot at a future. It does not matter if they live on a city block or on a county road — this will make a significant difference to their lives.”
Together with historic tax cuts, an increased child tax credit, higher wages, and monumental economic growth, the One Big Beautiful Bill will change the lives of middle-class families across America.
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