The federal government is handing out $1,000 for every baby born between 2025 and 2028. No income limits. No strings attached.
They’re called Trump Accounts, and they’re part of President Trump’s “One Big Beautiful Bill” that became law last July. Tax season just opened, and families across Nevada can sign up right now to claim their share.
What’s a Trump Account?
It’s an investment account for kids. The government deposits $1,000, the money gets invested in stock market index funds, and the child can access it at age 18.
The goal is giving every American child a financial head start. Let them benefit from economic growth from day one instead of starting with nothing.
Trump said at a White House summit on Wednesday:
“For the first time ever, we’re going to give every newborn American child a financial stake in the future, head start of life and a fair shot at the American Dream.”
Here’s the math. That $1,000 grows to about $5,800 by age 18 based on historical market returns. If families contribute the maximum $5,000 yearly, the account could hit over $300,000 by graduation.
For conservatives who believe in wealth building over welfare, this is the right approach. Give families ownership and investment in America’s success instead of expanding government programs.
How to Sign Up
Parents file IRS Form 4547 with their 2025 tax return. That’s it. The form tells Treasury to open the account and deposit the $1,000.
Already 600,000 families have signed up since tax season started Monday. Treasury expects 25 million to participate eventually.
Can’t file taxes now? No problem. An online portal launches at trumpaccounts.gov by summer 2026. You can register there instead.
The timeline works like this. Sign up during tax season or wait for the summer website. In May, registered families get instructions to finish opening accounts. Then on July 4, 2026, accounts go live and contributions can begin.
Nevada expects about 152,000 babies born between 2025 and 2028 based on state demographic projections. That’s 152,000 kids who qualify if parents sign up.
Who Qualifies
Any child born between January 1, 2025, and December 31, 2028, gets the $1,000. The child needs a Social Security number and U.S. citizenship. That’s all. No income tests or complicated forms.
Parents can open accounts for older kids under 18, too, but those children don’t get the government’s $1,000. They can still benefit from family contributions.
Who Can Contribute
Anyone. Parents, grandparents, aunts, uncles, neighbors. Anyone can put money in a child’s Trump Account.
The limit is $5,000 yearly from all private sources combined. So if parents put in $3,000, grandparents can add $2,000. Or grandparents can fund the whole $5,000.
This beats buying toys or clothes. Put $100 in a Trump Account instead of birthday presents. Over 18 years, that hundred bucks grows to $350 or more.
Employers can contribute up to $2,500 per employee, which counts toward the $5,000 cap. Churches and charities can contribute too.
Bonus Money Available
Major companies are matching the government’s contribution. JPMorganChase, Charles Schwab, Robinhood, Intel, Nvidia, IBM, and Uber all pledged to match the $1,000 for their employees’ kids.
Tech billionaire Michael Dell and his wife pledged $6.25 billion. They’re giving $250 to 25 million kids under age 10 living in ZIP codes where median income is under $150,000. That covers most Nevada families.
Hedge fund manager Ray Dalio added $75 million for Connecticut kids. More states and donors will likely follow.
Visa is creating a platform so credit card holders can deposit cash back rewards directly into Trump Accounts. Even rapper Nicki Minaj appeared at Wednesday’s White House summit, pledging hundreds of thousands of dollars.
How the Accounts Work
Money must be invested in low-cost stock index funds. No individual stocks or savings accounts. The point is giving kids exposure to America’s economic growth.
No withdrawals until age 18. Then the account converts to traditional IRA rules. Kids can use the money for college, starting a business, or buying their first home.
Individual contributions aren’t tax-deductible, but earnings grow tax-free until withdrawal. Employer contributions aren’t taxed going in but are taxed coming out.
Government contributions and charitable donations don’t count against the $5,000 yearly limit. That’s how Dell’s $250 stacks on top of everything else.
What to Do Now
If you have kids born in 2025 or later, sign up when filing your 2025 taxes. Don’t leave free money on the table.
If you’re a grandparent, tell your children about this program. Make sure they sign up.
Consider Trump Account contributions instead of traditional gifts. Talk to your church. Religious organizations can contribute too.
The program launches July 4, 2026. More companies and states will announce contributions between now and then.
Most Nevada ZIP codes outside the wealthiest Reno, Las Vegas, and Henderson neighborhoods qualify for Dell’s $250. The cutoff is $150,000 median household income.
Bottom Line
Trump Accounts aren’t welfare. They’re investment accounts teaching the next generation about ownership and wealth building. They promote market participation over government dependency.
Your kids and grandkids deserve a financial head start. The government is offering one. Sign up and claim it.
The opinions expressed by contributors are their own and do not necessarily represent the views of Nevada News & Views. This article was written with the assistance of AI. Please verify information and consult additional sources as needed.
