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BREAKING: Representative Eli Crane will be signing Rep. Luna's discharge petition to force a vote on a congressional stock trading ban.
Now at 6 signatures. https://t.co/eFNN4OosQq
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BREAKING: Representative Eli Crane will be signing Rep. Luna's discharge petition to force a vote on a congressional stock trading ban.
Now at 6 signatures. https://t.co/eFNN4OosQq
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EndGame Macro
A Financial Head Start… or a Financial Capture?
On the surface, Invest America is pitched as a bipartisan effort to give kids a financial head start with tax advantaged accounts from birth, a $1,000 federal deposit for babies born 2025–2028, and a $6.25B philanthropic boost that seeds 25 million older children with $250. But if you look at it with a skeptical eye, it’s also the creation of a huge new pipeline that pushes families into the financial system from day one. It isn’t just about helping kids build wealth, it’s about expanding the base of long duration savers who will automatically be buying U.S. debt and broad market products for decades.
The federal money isn’t pure generosity. It’s borrowed funds handed out as “savings” that quickly cycle back into regulated portfolios holding Treasuries and index funds. The messaging is opportunity; the structure is system reinforcement. Millions of automatic accounts mean millions of predictable buyers of financial assets, precisely the kind of demand the Treasury and Wall Street want as debt loads rise.
Who This Really Benefits
Children will get something, but the largest beneficiaries are Treasury, asset managers, and policymakers. Treasury gains a long-term investor base that quietly absorbs federal issuance. Asset managers get sticky assets and fee revenue that last for decades. Politicians get to claim they’re helping families build wealth without touching the actual pain points like housing, healthcare, childcare, education, and stagnant real wages.
The philanthropic contribution is almost certainly structured for maximum tax efficiency…donating appreciated assets, avoiding capital gains tax, and securing charitable deductions while also earning goodwill and political access. That’s not cynical; it’s exactly how major philanthropy is designed to work.
The Inflation Reality
Here’s the part that never makes it into the talking points. A $1,000 deposit today does not feel like $1,000 in 18 years. At even 2.5–3% inflation and that’s assuming a benign future, the real value falls to roughly $560–$610. If inflation runs hotter for a few years, the erosion accelerates. Add in fund costs and administrative fees, and the drag grows. The $250 seed for older kids shrinks even faster. Unless families keep contributing meaningful amounts year after year, the real purchasing power of these accounts ends up being modest at best.
The Psychological Hook
The deeper genius of the program is psychological. Once parents see a dedicated account with their child’s name on it, they feel pressure to keep adding to it even when their day to day purchasing power is declining. It nudges households to pour scarce dollars into long duration financial products, rather than using that money now, when it may do more for their actual lives. Inflation makes today’s dollar stronger than tomorrow’s, yet the design encourages families to push more capital into a system that compounds slowly while costs rise quickly. It’s part social policy, part behavioral engineering.
My Read
This program will help families at the margins, but its deeper function is to build a national financial participation architecture that channels citizens’ savings into the markets that keep the U.S. system funded. The philanthropic boost accelerates that build out while allowing donors to reposition wealth tax efficiently. It’s part policy, part financial plumbing, part psychology, and part strategy and all of those layers are working at once. The story is about children. The structure is about securing the system.
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A Financial Head Start… or a Financial Capture?
On the surface, Invest America is pitched as a bipartisan effort to give kids a financial head start with tax advantaged accounts from birth, a $1,000 federal deposit for babies born 2025–2028, and a $6.25B philanthropic boost that seeds 25 million older children with $250. But if you look at it with a skeptical eye, it’s also the creation of a huge new pipeline that pushes families into the financial system from day one. It isn’t just about helping kids build wealth, it’s about expanding the base of long duration savers who will automatically be buying U.S. debt and broad market products for decades.
The federal money isn’t pure generosity. It’s borrowed funds handed out as “savings” that quickly cycle back into regulated portfolios holding Treasuries and index funds. The messaging is opportunity; the structure is system reinforcement. Millions of automatic accounts mean millions of predictable buyers of financial assets, precisely the kind of demand the Treasury and Wall Street want as debt loads rise.
Who This Really Benefits
Children will get something, but the largest beneficiaries are Treasury, asset managers, and policymakers. Treasury gains a long-term investor base that quietly absorbs federal issuance. Asset managers get sticky assets and fee revenue that last for decades. Politicians get to claim they’re helping families build wealth without touching the actual pain points like housing, healthcare, childcare, education, and stagnant real wages.
The philanthropic contribution is almost certainly structured for maximum tax efficiency…donating appreciated assets, avoiding capital gains tax, and securing charitable deductions while also earning goodwill and political access. That’s not cynical; it’s exactly how major philanthropy is designed to work.
The Inflation Reality
Here’s the part that never makes it into the talking points. A $1,000 deposit today does not feel like $1,000 in 18 years. At even 2.5–3% inflation and that’s assuming a benign future, the real value falls to roughly $560–$610. If inflation runs hotter for a few years, the erosion accelerates. Add in fund costs and administrative fees, and the drag grows. The $250 seed for older kids shrinks even faster. Unless families keep contributing meaningful amounts year after year, the real purchasing power of these accounts ends up being modest at best.
The Psychological Hook
The deeper genius of the program is psychological. Once parents see a dedicated account with their child’s name on it, they feel pressure to keep adding to it even when their day to day purchasing power is declining. It nudges households to pour scarce dollars into long duration financial products, rather than using that money now, when it may do more for their actual lives. Inflation makes today’s dollar stronger than tomorrow’s, yet the design encourages families to push more capital into a system that compounds slowly while costs rise quickly. It’s part social policy, part behavioral engineering.
My Read
This program will help families at the margins, but its deeper function is to build a national financial participation architecture that channels citizens’ savings into the markets that keep the U.S. system funded. The philanthropic boost accelerates that build out while allowing donors to reposition wealth tax efficiently. It’s part policy, part financial plumbing, part psychology, and part strategy and all of those layers are working at once. The story is about children. The structure is about securing the system.
Politicians wanted to give kids a $1,000 kick-start on investing. The way Congress did it is complicated.
Here are the details of these IRAs for youngsters: https://t.co/DBrPypNcWS https://t.co/66qzBbDTam tweet
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EndGame Macro
A Financial Head Start… or a Financial Capture?
On the surface, Invest America is pitched as a bipartisan effort to give kids a financial head start with tax advantaged accounts from birth, a $1,000 federal deposit for babies born 2025–2028, and a $6.25B philanthropic boost that seeds 25 million older children with $250. But if you look at it with a skeptical eye, it’s also the creation of a huge new pipeline that pushes families into the financial system from day one. It isn’t just about helping kids build wealth, it’s about expanding the base of long duration savers who will automatically be buying U.S. debt and broad market products for decades.
The federal money isn’t pure generosity. It’s borrowed funds handed out as “savings” that quickly cycle back into regulated portfolios holding Treasuries and index funds. The messaging is opportunity; the structure is system reinforcement. Millions of automatic accounts mean millions of predictable buyers of financial assets, precisely the kind of demand the Treasury and Wall Street want as debt loads rise.
Who This Really Benefits
Children will get something, but the largest beneficiaries are Treasury, asset managers, and policymakers. Treasury gains a long term investor base that quietly absorbs federal issuance. Asset managers get sticky assets and fee revenue that last for decades. Politicians get to claim they’re helping families build wealth without touching the actual pain points like housing, healthcare, childcare, education, and stagnant real wages.
The philanthropic contribution is almost certainly structured for maximum tax efficiency…donating appreciated assets, avoiding capital gains tax, and securing charitable deductions while also earning goodwill and political access. That’s not cynical; it’s exactly how major philanthropy is designed to work.
The Inflation Reality
Here’s the part that never makes it into the talking points. A $1,000 deposit today does not feel like $1,000 in 18 years. At even 2.5–3% inflation and that’s assuming a benign future, the real value falls to roughly $560–$610. If inflation runs hotter for a few years, the erosion accelerates. Add in fund costs and administrative fees, and the drag grows. The $250 seed for older kids shrinks even faster. Unless families keep contributing meaningful amounts year after year, the real purchasing power of these accounts ends up being modest at best.
The Psychological Hook
The deeper genius of the program is psychological. Once parents see a dedicated account with their child’s name on it, they feel pressure to keep adding to it even when their day to day purchasing power is declining. It nudges households to pour scarce dollars into long duration financial products, rather than using that money now, when it may do more for their actual lives. Inflation makes today’s dollar stronger than tomorrow’s, yet the design encourages families to push more capital into a system that compounds slowly while costs rise quickly. It’s part social policy, part behavioral engineering.
My Read
This program will help families at the margins, but its deeper function is to build a national financial participation architecture that channels citizens’ savings into the markets that keep the U.S. system funded. The philanthropic boost accelerates that build out while allowing donors to reposition wealth tax efficiently. It’s part policy, part financial plumbing, part psychology, and part strategy and all of those layers are working at once. The story is about children. The structure is about securing the system.
BREAKING: Michael and Susan Dell are donating $6.25 billion to fund "Trump Accounts" for 25 million US kids.
The commitment comes with a new federal government program which allows parents to open tax-advantaged investment accounts for children under 18.
Under the federal program, US citizens born from the beginning of 2025 through 2028 will receive a federal grant of $1,000 to their “Trump Accounts.”
Th[...]
A Financial Head Start… or a Financial Capture?
On the surface, Invest America is pitched as a bipartisan effort to give kids a financial head start with tax advantaged accounts from birth, a $1,000 federal deposit for babies born 2025–2028, and a $6.25B philanthropic boost that seeds 25 million older children with $250. But if you look at it with a skeptical eye, it’s also the creation of a huge new pipeline that pushes families into the financial system from day one. It isn’t just about helping kids build wealth, it’s about expanding the base of long duration savers who will automatically be buying U.S. debt and broad market products for decades.
The federal money isn’t pure generosity. It’s borrowed funds handed out as “savings” that quickly cycle back into regulated portfolios holding Treasuries and index funds. The messaging is opportunity; the structure is system reinforcement. Millions of automatic accounts mean millions of predictable buyers of financial assets, precisely the kind of demand the Treasury and Wall Street want as debt loads rise.
Who This Really Benefits
Children will get something, but the largest beneficiaries are Treasury, asset managers, and policymakers. Treasury gains a long term investor base that quietly absorbs federal issuance. Asset managers get sticky assets and fee revenue that last for decades. Politicians get to claim they’re helping families build wealth without touching the actual pain points like housing, healthcare, childcare, education, and stagnant real wages.
The philanthropic contribution is almost certainly structured for maximum tax efficiency…donating appreciated assets, avoiding capital gains tax, and securing charitable deductions while also earning goodwill and political access. That’s not cynical; it’s exactly how major philanthropy is designed to work.
The Inflation Reality
Here’s the part that never makes it into the talking points. A $1,000 deposit today does not feel like $1,000 in 18 years. At even 2.5–3% inflation and that’s assuming a benign future, the real value falls to roughly $560–$610. If inflation runs hotter for a few years, the erosion accelerates. Add in fund costs and administrative fees, and the drag grows. The $250 seed for older kids shrinks even faster. Unless families keep contributing meaningful amounts year after year, the real purchasing power of these accounts ends up being modest at best.
The Psychological Hook
The deeper genius of the program is psychological. Once parents see a dedicated account with their child’s name on it, they feel pressure to keep adding to it even when their day to day purchasing power is declining. It nudges households to pour scarce dollars into long duration financial products, rather than using that money now, when it may do more for their actual lives. Inflation makes today’s dollar stronger than tomorrow’s, yet the design encourages families to push more capital into a system that compounds slowly while costs rise quickly. It’s part social policy, part behavioral engineering.
My Read
This program will help families at the margins, but its deeper function is to build a national financial participation architecture that channels citizens’ savings into the markets that keep the U.S. system funded. The philanthropic boost accelerates that build out while allowing donors to reposition wealth tax efficiently. It’s part policy, part financial plumbing, part psychology, and part strategy and all of those layers are working at once. The story is about children. The structure is about securing the system.
BREAKING: Michael and Susan Dell are donating $6.25 billion to fund "Trump Accounts" for 25 million US kids.
The commitment comes with a new federal government program which allows parents to open tax-advantaged investment accounts for children under 18.
Under the federal program, US citizens born from the beginning of 2025 through 2028 will receive a federal grant of $1,000 to their “Trump Accounts.”
Th[...]
Offshore
EndGame Macro A Financial Head Start… or a Financial Capture? On the surface, Invest America is pitched as a bipartisan effort to give kids a financial head start with tax advantaged accounts from birth, a $1,000 federal deposit for babies born 2025–2028…
e Dells have committed to fund these accounts with $250 for children who are 10 or under.
The pledged funds will cover 25 million children age 10 and under in ZIP codes with a median income of $150,000 or less. - The Kobeissi Letter tweet
The pledged funds will cover 25 million children age 10 and under in ZIP codes with a median income of $150,000 or less. - The Kobeissi Letter tweet
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Me in 1999 wasting time instead of making generational wealth by investing in Nvidia https://t.co/9K5TnCsdzZ
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Me in 1999 wasting time instead of making generational wealth by investing in Nvidia https://t.co/9K5TnCsdzZ
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Women in men dominated field >>>
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Women in men dominated field >>>
BREAKING: Kalshi co-founder Luana Lopes Lara passes Taylor Swift to become youngest self-made female billionaire at age of 29. https://t.co/OgV2x8v452 tweet