Welcome back, Noyackers!

On July 4, 2025, President Trump signed into law the One Big Beautiful Bill Act (OBBBA)—a sweeping piece of legislation with a quiet but powerful provision for American families: the launch of Trump Accounts, a new kind of custodial IRA designed specifically to help children start building wealth from birth.

 While most coverage zeroed in on the politics, we’re far more interested in the policy—and what it means for young families, Millennials, and anyone looking to create multigenerational financial security. This isn’t a headline stunt. It’s a long-term wealth tool with real, measurable upside.

Trump Accounts combine features of IRAs and 529s into one hybrid that’s easy to set up, designed for longevity, and—most importantly—funded early, when compounding has the most impact:

• $1,000 federal seed deposit for babies born between 2025 and 2028

• $5,000 annual contribution limit (with up to $2,500 from employers)

• No earned income required for minors to receive contributions

• Tax-deferred investment growth in low-cost index funds (≤0.10% expense ratio)

• Ownership transfers at 18, triggering standard IRA benefits

These accounts are not just about retirement. They can be used for a first home, education, or future emergencies—making them an incredibly flexible addition to your financial toolkit. And for high earners, the employer match makes every dollar go further while reducing taxable income.

 Even a one-time $1,000 seed can grow to $81,000 by retirement at 7%—with zero added contributions. Add in annual funding, and you’re looking at six figures by age 30. Check out this week's edition for the full deep dive, including comparisons, contribution timelines, and your step-by-step playbook.

 The window is short. The upside is massive. Your child’s wealth journey could start now—with one smart move.

📽️ Expert Series

Madeline Brown, senior policy associate at Urban Institute, goes into detail about the advantages and faults of "Trump Accounts" from a financial policy perspective in this episode of the Noyack Expert Series.

Until Next Sunday,

—CJ & The NOYACK Team
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