YOUR CHILD’S $1,000 IS WAITING. CLAIM IT RIGHT.
Trump Accounts launched July 4, 2026 — $1,000 from the Treasury for eligible newborns, $250 for millions of older kids, employer matches, and an 18-year compounding engine. Six million accounts are open; tens of millions of eligible children are still unclaimed. Every rule, every situation, every dollar — explained honestly, for free.
INDEPENDENT — NOT A GOVERNMENT SITE · WE NEVER COLLECT SSNs · SOURCES SHOWN ON EVERY CLAIM
Most families need exactly three things. Here they are.
Claim the free money through the official channels, understand what the account is (and isn’t), and decide what — if anything — to contribute. Each move has one definitive guide.
Does your child get the $1,000? (Or the Dell $250?)
The three tests, no income limit, every edge case — and why millions of eligible kids are still unclaimed.
MOVE 2 — OPENOpen the account the right way, free, in minutes
trumpaccounts.gov or Form 4547 — the only two doors. The SSN-matching rule, the priority order, the scam wall.
MOVE 3 — DECIDERun the numbers before you commit a dollar
Seed alone vs seed-plus-contributions at three return scenarios, to 18 and beyond. Sixty seconds, free.
Start Here: The Core Guides
The Dell $250 Deposit: Free Money for Kids Born 2016–2024
The $250 for 25 million kids born 2016–2024 that almost nobody has heard of.
START HEREForm 4547: The Trump Account Tax Form, Walked Through
The IRS election form walked line by line — matching rules, priority, rejections.
START HEREHow to Open a Trump Account, Step by Step
Both official doors, step by step, and the five mistakes that stall families.
START HEREThe $1,000 Deposit: Exactly Who Qualifies, and Every Edge Case
The three tests, every edge case, and how to claim before compounding is lost.
START HEREWhat Is a Trump Account? Everything Parents Need to Know
The complete plain-English explainer — the program, the money, the rules, the catch.
Rules & Mechanics: How It Actually Works
Contribution Limits: How the $5,000 Pipeline Actually Works
The $5,000 pipeline: who can give, what counts, and the excess-contribution fixes.
RULES & MECHANICSThe Employer $2,500: A Brand-New Workplace Benefit, Explained
Up to $2,500/yr tax-free from your job — and how to get HR to offer it.
RULES & MECHANICSInvestment Options: Where the Money Actually Goes
SPYM and the fund lineup: where the money actually sits, with the honest risk talk.
RULES & MECHANICSOne Account Per Child: The Priority Rules That Decide Ties
Guardian → parent → sibling → grandparent: who wins ties and how duplicates get fixed.
RULES & MECHANICSWhere’s the $1,000? The Complete Troubleshooting Guide
Where’s the $1,000? Seven failure patterns, diagnosed in order, with the escalation ladder.
RULES & MECHANICSTrump Account Taxes: The Whole Picture, Stage by Stage
Every stage taxed, explained — and the basis-log habit worth real money in 2044.
RULES & MECHANICSThe Official Trump Accounts App, From Download to Dashboard
The official app from download to dashboard, plus the fake-app verification ritual.
RULES & MECHANICSThe Lock, the Conversion, and What Happens at 18
The lock, the age-18 IRA conversion, and what a smart 18-year-old does.
Comparisons: Trump Account vs Everything
The Two-Account Blueprint: Trump Account + 529, Working Together
The two-account blueprint with monthly splits at three budget sizes.
COMPARISONSTrump Account Scams: The Complete Field Guide
Every con circulating and the three rituals that make your family unscammable.
COMPARISONSTrump Account vs 529 Plan: The Honest Head-to-Head
The most-asked question of the launch, answered honestly: different jobs, one funding order.
COMPARISONSTrump Account vs Custodial Account: Locked Growth or Open Flexibility
Locked growth or open flexibility — the UTMA trade, priced out.
COMPARISONSTrump Account vs Roth IRA for Kids: The Wealth-Building Showdown
The internet’s favorite kids’ account vs the new one: a sequence, not a contest.
COMPARISONSTrump Account vs Savings Account: Guaranteed Small or Probable Big
Guaranteed small or probable big — the 18-year math the bank won’t show you.
Your Situation: Guides for Your Exact Family
Divorced Parents: Who Opens the Account, and How Not to Fight About It
Who opens it, who controls the app, and the cleanup when both parents filed.
YOUR SITUATIONThe Employer’s Guide: Offering Trump Account Benefits
The HR-side guide: benefit designs, compliance basics, and the business case.
YOUR SITUATIONThe Grandparents’ Guide to Trump Accounts
What grandparents can open, what they can fund, and the one-text coordination.
YOUR SITUATIONImmigrant Parents’ Guide: Your Status Doesn’t Block Your Child’s Account
Parent status doesn’t matter — the child’s citizenship and SSN control everything.
YOUR SITUATIONMultiple Kids, Multiple Accounts: The Family-Scale Playbook
Per-child caps, unequal seeds, and the systems that keep a family of accounts sane.
YOUR SITUATIONThe Newborn Checklist: Claiming the $1,000 in Baby’s First Months
SSN first, then the account, then the employer window — sized for sleep-deprived parents.
YOUR SITUATIONBorn Before 2025? What Older Kids Actually Get
Born before 2025? The honest math by age band on what your child still gets.
Growth Strategy: Getting Every Dollar
Companies Matching the $1,000: The Corporate Tracker
Companies matching the $1,000 for employees’ babies — how to find yours.
GROWTH STRATEGYContribution Timing: When Money Goes In Matters More Than You’d Think
January vs monthly, the calendar-year deadline, and the age-17 cutoff.
GROWTH STRATEGYMaximizing the Account: The Every-Pipe Playbook
The five-pipe playbook: free money first, automated household dollars last.
GROWTH STRATEGYState & Philanthropic Matches: The Free-Money Tracker
States and philanthropists seeding accounts — the verified tracker.
GROWTH STRATEGYWhat $1,000 Becomes: The Honest Projections
The honest projections: seed alone, seed plus contributions, to 18 and to 65.
The rules are still being written. We track them so you don’t have to.
IRS guidance evolves, new company matches get announced, state programs pass — and every guide here carries a review date. The 530A Bulletin emails you when something actually changes. No noise, no spam, unsubscribe anytime.