Michael and Susan Dell just made one of the largest charitable commitments in U.S. history. The couple is donating $6.25 billion to help fund “Trump Accounts,” a new investment program designed to give millions of American children a financial head start.
The idea behind these accounts came out of President Donald Trump’s “One Big Beautiful Bill Act,” unveiled earlier this year. Starting in 2026, every child born in the U.S. between January 2025 and January 2029 will automatically receive a $1,000 Treasury-funded investment account, as long as they and their parents have Social Security numbers.
But the Dells noticed a huge gap: what about the kids born before 2025?
Their donation covers that. The $6.25 billion fund will provide $250 investment deposits for at least 25 million children aged ten and under who don’t qualify for the government’s $1,000 seed money.
“If there’s one investment that never stops growing, it’s investing in children,” the couple said. They added that even a modest account can change a child’s outlook, boost confidence and give families a real starting point for the future.
Their foundation has donated $2.9 billion over the years. This pledge more than doubles all their past giving combined. Michael Dell, worth an estimated $148 billion, is currently the world’s 11th richest individual.
He appeared at the White House in June when Trump first promoted the plan, formally known as the Invest America program. On Giving Tuesday, the Dells went public with their commitment, encouraging other philanthropists, businesses and even families to join in.
So what exactly are Trump Accounts?
Starting July 4, 2026, parents will be able to activate the government-backed $1,000 accounts for eligible newborns. The money stays locked until the child turns 18 and can be used for college or job training, a first-home down payment, or starting a business. The accounts can also continue growing past age 18.
The Dells’ $250 contributions follow the same rules. Kids under ten who were born before 2025 will get access first. If there’s money left, older children may get a chance too.
Once a child turns 18, all these accounts convert into a traditional IRA, meaning any unused funds keep compounding for decades.
For the Dells, the logic is simple: when kids have even a small financial cushion, they tend to dream bigger—and achieve more. Their donation aims to give millions that early momentum.
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