特朗普政府推出的Trump Accounts计划为2025至2028年间出生的婴儿提供1000美元启动资金，该项目已吸引650万注册用户，其中150万符合领取种子资金的条件1。账户自2025年7月4日起对外开放1。
然而，部分家长报告资金到账出现延迟。申请人Masaki McLellan于7月6日提交申请后最初遭到拒绝，激活后被告知需要10天方能到账，随后又被通知可能需要长达4周1。与此相比，美国财政部声称大多数家长仅需等待1至2天，并表示这是"标准处理时间，如同获得税收退款"1。
资金由私营公司投资于指数基金，受益儿童需等到18岁后才能使用这笔资金，且使用范围仅限于教育、创业或购房1。该计划由特朗普去年签署的"One Big Beautiful Bill"法案创建1。
特朗普定于周三在乔治亚州惠勒高中举行集会推介该计划12。在集会上，特朗普嘲笑"可负担性"是民主党政治顾问创造的术语，并声称高物价系拜登政府遗留问题，现已"迅速下降"2。
根据美国广播公司与NORC中心6月进行的联合调查，仅有33%的美国成年人赞同特朗普的经济领导力1。
President Trump's administration has launched the Trump Accounts initiative, which provides $1,000 in startup funding for babies born between 2025 and 2028 1. The Treasury Department reported 6.5 million registered users, with 1.5 million qualifying for the $1,000 seed funding 1. The accounts opened on July 4, 2025 1.
Despite the program's rollout, some parents report delays in receiving promised deposits. Masaki McLellan applied for an account on July 6 and was initially rejected, then told funds would arrive within 10 days after activation—a timeline later extended to as long as four weeks 1. The Treasury Department maintains that most families need only wait one to two days, characterizing this as "standard processing time, similar to receiving a tax refund" 1.
The funds are invested by private companies in index funds and become accessible when children reach age 18, with usage restricted to education, starting a business, or purchasing a home 1. The program was created through Trump's signature legislative vehicle, the "One Big Beautiful Bill," passed last year 1.
Trump promoted the initiative Wednesday at Wheeler High School in Marietta, an Atlanta suburb in Georgia 12. At the rally, he dismissed concerns about affordability as a Democratic political term, attributing current high prices to the Biden administration's legacy while claiming prices are "already coming down, actually coming down very rapidly" 2.
Economic approval for Trump remains limited, with only 33 percent of American adults supporting his economic leadership according to a June survey by the AP-NORC Center 1.
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