President Donald Trump on Tuesday formally introduced his ‘Trump Account” program with a twist: A multibillion-dollar donation from Michael and Susan Dell would expand the program’s eligibility to more children.

The investment accounts could help tens of millions of American families save for their children. But critics argue they don’t go far enough to solve America’s savings problem.

Here’s what you need to know.

What are Trump Accounts?

The federal government will put $1,000 into individual accounts for children born between January 1, 2025, and December 31, 2028.

The familyand others may make annual contributions to the account starting on July 4, 2026, so long as combined they don’t exceed $5,000 a year, although nonprofits may be able to donate more. Employers can contribute up

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