Super Bowl Ad Claims Free Money for All US Kids, But Who Qualifies?

The new Trump Savings Account program provides $1,000 for children born 2025-2028, but older kids may get accounts too.

Published on Feb. 9, 2026

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A Super Bowl ad from Invest America claimed that every American child will get a free investment account, but the details are more nuanced. The new Trump Savings Account program does provide $1,000 to children born between 2025 and 2028, which parents can set up when filing taxes this year. However, older children under 18 may also be able to get accounts, though without the $1,000 government seed money.

Why it matters

The Trump Savings Account program represents a significant new government initiative to help provide financial security for the next generation, though the details around eligibility and funding levels for different age groups have caused some confusion.

The details

The Trump Savings Account program, passed as part of the HR 1 legislation in July 2025, will provide $1,000 deposits into investment accounts for children born in 2025 through 2028. Parents can set up these accounts when filing taxes this year by filling out Form 4547. The accounts are tied to the stock market, and the money can grow significantly over time - potentially reaching $66,000 or even $645,000 by age 62 depending on the rate of return. While the $1,000 is free government money for those born 2025-2028, parents, family, and employers can also contribute up to $5,000 per year to the accounts.

  • The Trump Savings Account program was passed as part of the HR 1 legislation in July 2025.
  • Children born from 2025 through 2028 are eligible for the $1,000 government seed money.
  • Parents can set up the accounts when filing taxes in 2026.

The players

Invest America

The company that paid for the Super Bowl ad promoting the Trump Savings Account program.

Michael Wittenberg

A financial advisor who provided analysis on the potential growth of the Trump Savings Accounts.

Tiffany Dodson

A tax professional who explained the process for setting up accounts for children born before 2025.

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What they’re saying

“You leave that $1,000 in, and you get a low return, say 7%, that's $3,380 when they're an 18-year-old. If they get 11% return, that's $8,730 for an 18-year-old. For 62, if they go all the way out, it's$66,000 versus if they get 11%, then it's $645,000. Really impressive, but they have to sort of forget about that money for the long term and take a risk.”

— Michael Wittenberg, Financial Advisor (wfmynews2.com)

“You could still fill out 4547 if your child is under 18. It would just set up an account. The alternative path is to wait until summer. Trumpaccounts.gov indicates that in the summer, there will be a form that parents can utilize to set up an account for those born prior to 25, but still under the age of 18. Parents can set that form up. While there's no $1000 seed government money.”

— Tiffany Dodson, Tax Professional (wfmynews2.com)

What’s next

In the summer of 2026, the government plans to launch a new form on Trumpaccounts.gov that parents can use to set up accounts for children born before 2025 but who are still under 18 years old.

The takeaway

The Trump Savings Account program represents a significant new government initiative to help provide financial security for the next generation, though the details around eligibility and funding levels for different age groups have caused some initial confusion. While children born 2025-2028 will receive $1,000 in seed money, older children may still be able to get accounts set up, even if they don't receive the same level of government funding.