💥 BREAKING NEWS: Trump’s “baby accounts” exposed as a Wall Street slush fund disguised as a gift to newborns⚡NN

Billionaires Michael and Susan Dell just pledged $6 billion to fund so-called “Trump Accounts” for American babies — and cable news treated it like a heartwarming human-interest story.

A billionaire couple. A patriotic donation. “A gift to the next generation.”
Sounds adorable.

But under the glossy PR and soft-focus coverage, this isn’t a kids-first revolution.
It’s a Wall Street subsidy wrapped in a baby blanket — and a backdoor attack on Social Security disguised as charity.

Trump’s team proudly sells these “Trump Accounts” (yes, that’s the actual name) as mini trust funds seeded with $1,000 from the U.S. Treasury for every newborn U.S. citizen. Add the Dells’ extra $250 per baby “gift,” and it’s pitched as empire-building money for future entrepreneurs, homeowners, and college students.

The marketing is slick. The math is brutal.

Here’s how it’s supposed to work:

• Every eligible baby automatically gets an investment account.
• The money is locked into a single stock index fund — no choice, no flexibility.
• At age 18, the kid can withdraw 50% for “approved” uses: education, first home, or a “business venture.”
• At 25, they get full access for those “qualified expenses.”
• At 30, they finally get unrestricted access.

On paper, it sounds like free money. In reality, it’s a tiny payout on a giant political stunt.

Run the numbers:
Take $1,000 growing at a decent 6% annual return over 18 years — totally in line with long-term market averages. Now subtract roughly 3% a year for inflation. By the time that baby turns 18, the inflation-adjusted value is about $2,800. Half of that — around $1,400 — is what they could pull out at 18.

And that’s before taxes, because these aren’t tax-free like some education plans — just tax-deferred. Withdrawals still get hit with capital gains tax. So the big life-changing “Trump baby account” boils down to… maybe a used laptop and a few community college credits.

Meanwhile, the real jackpot isn’t for the kids. It’s for the people managing the money.

Families are “allowed” to contribute up to $5,000 a year per account. Now remember: the median savings for Americans under 35 — the age range most likely having babies — is around $5,000 total. So who’s actually going to be able to max these out?

Not the families standing in food bank lines.
Not the parents juggling rent, medical bills, and groceries.

The families who benefit most are the ones who already have plenty of money — the ones who can shovel thousands per year into a tax-advantaged investment account administered by institutions like Goldman Sachs and Robinhood.

That’s not accidental. That’s the design.

With about 3.6 million babies born in the U.S. each year, the base $1,000 seed per child is $3.6 billion annually. Over four years, plus admin costs, that’s around $17 billion. Toss in the Dells’ donation, and you’re looking at roughly $9.6 billion next year alone flowing straight into the stock market — locked in for at least 18 years.

It’s maximum publicity with minimal impact for working families — and maximum benefit for Wall Street.

And if you think this is just a harmless savings gimmick, listen to the people running it. Trump’s Treasury Secretary, Scott Bessant — described as the “worst hedge fund manager on the planet” now in charge of your money — literally called Trump Accounts a “backdoor to privatizing Social Security” during a Breitbart panel. They had to scramble to walk it back, but the truth slipped out.

Because this isn’t a new idea.
Republicans have been trying to turn guaranteed public benefits into private risk accounts for decades.
George W. Bush floated privatizing Social Security and got burned. Paul Ryan tried to dress it up as “personal choice.” Conservative think tanks and Chicago-school economists have been salivating over this model for years.

Trump Accounts are just the latest costume.

Compare this to something that actually worked: the expanded Child Tax Credit in 2021. That program put $250–$300 per child per month directly into parents’ hands. It cut child poverty nearly in half, dropped the child poverty rate to a record low, and families overwhelmingly used the money on food, rent, bills, and debt. When it expired, child poverty immediately spiked back up.

Direct cash to families changed lives.
Trump Accounts send cash to index funds.

Instead of feeding kids now, we’re feeding Wall Street for 18 years and praying there isn’t a crash the week your kid needs tuition or a down payment.

The Trump Accounts scam shifts the whole idea of government from public insurance to privatized risk. Instead of the government guaranteeing a safety net, it hands your tax dollars to private asset managers and says:

“Good luck. Hope the market doesn’t tank right before your kid turns 18.”

The Dells say they hope other billionaires follow their lead. Imagine if those billions went to food banks instead. In 2023, over 50 million people relied on charitable food just to get by. That number is only rising.

But instead of feeding families today, we’re congratulating billionaires for locking future kids into tiny stock accounts that serve as PR cover for a larger ideological project:

Make Wall Street richer.
Normalize privatized benefits.
Condition Americans to accept that their future is tied to market performance, not shared public guarantees.

This isn’t “baby accounts.”
It’s baby’s first Wall Street product.
And it’s one more scam in a system that keeps asking working families to clap while their money is handed up the ladder.