There's a brand-new kind of investment account for kids, and the government makes the first deposit.

Answer:

$1,000, for children born in 2025, 2026, 2027, or 2028

Questions:

• Would you rather have $1,000 in your hand today, or leave it invested until you are 60? Why?
• Does starting to invest at birth really matter, or could you catch up by saving more later?
• Would it be better if you could use the money for college or a first home instead of retirement?

Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.

Behind the Numbers: (IRS)

Trump Accounts are "a new type of traditional individual retirement account for eligible minors," established under the Working Families Tax Cuts enacted on July 4, 2025. To receive the one-time $1,000 deposit, "the eligible child must: Be born in calendar year 2025, 2026, 2027, or 2028, Be a United States citizen, have been issued a Social Security Number and be someone for whom no prior pilot program election has been made ... and processed by Treasury." (IR-2026-31, March 6, 2026)

Want the full picture before your students ask? Yanely is teaching All About Trump Accounts at NGPF's Back to School Virtual Conference on Saturday, August 22.

About the Author

Dave Martin

Dave joins NGPF with 15 years of teaching experience in math and computer science. After joining the New York City Teaching Fellows program and earning a Master's degree in Education from Pace University, his teaching career has taken him to New York, New Jersey and a summer in the north of Ghana. Dave firmly believes that financial literacy is vital to creating well-rounded students that are prepared for a complex and highly competitive world. During what free time two young daughters will allow, Dave enjoys video games, Dungeons & Dragons, cooking, gardening, and taking naps.

More posts by Dave