The studio notebook
Ideas with a practical next step.
Start with a real task, choose a useful guide, and make it your own.
How Trump Accounts work, in plain English
What a Trump Account is, who can have one, where the money can be invested, and what happens when the child turns 18.
Trump Account contribution limits for 2026 and 2027
The $5,000 yearly limit, the $2,500 employer limit, the money that does not count toward either, and the calendar-year rule.
The $1,000 Trump Account pilot contribution: who gets it and how
Who qualifies for the one-time $1,000 federal deposit, how to claim it, and how it fits with the rest of the account.
Trump Account or 529 plan: which to fund first
How the two accounts differ on taxes, flexibility and limits, and how families can decide where the next dollar goes.
Trump Account taxes and withdrawals at 18
What changes when the growth period ends, how withdrawals are taxed, and when the 10% additional tax applies.
What a Trump Account can invest in, and why fees matter
The eligible investment rules, the 0.1% fee cap, and how a few hundredths of a percent change the balance by 18.