Tools for Families Who Are Done Starting Over
Nobody handed your family a playbook. This is it. Programs, accounts, and tools that actually move the needle on your financial future.
“My people are destroyed for lack of knowledge.”
Hosea 4:6 (KJV)The federal government is seeding a new investment account with $1,000 for every American child born between 2025 and 2028. The account is in your child’s name. You manage it until they turn 18. Contributions are tax-deferred and grow in low-cost index funds.
This is not a savings bond. This is a real investment account that families can contribute up to $5,000 a year into. Accounts launch July 5, 2026. You enroll by filing IRS Form 4547.
Learn More at TrumpAccounts.govAll Resources
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The IRS official page for Trump Accounts. Includes guidance documents, Form 4547 information, and updates on the program rollout. Start here if you have a child under 18 or a newborn born after January 1, 2025.
Visit IRS.gov/TrumpAccountsTax-advantaged accounts for education expenses. Withdrawals for qualified education costs are completely tax-free. Many states offer additional deductions. The SavingForCollege.com comparison tool shows every state plan side by side.
Compare PlansMoney goes in after tax and grows completely tax-free. Withdrawals in retirement are tax-free too. If your child has earned income, they can start a Roth IRA as a minor. The IRS publication walks through every rule in plain language.
IRS Roth IRA GuideThe Consumer Financial Protection Bureau built this to help parents teach kids financial basics by age. Activities and conversation starters for toddlers through teenagers. Free, practical, and built for real families.
Get the ToolkitBy law, you are entitled to a free credit report from all three bureaus every year. AnnualCreditReport.com is the only government-authorized site. Check for errors, fraud, and accounts you did not open. Repeat every 12 months.
Pull Your Free ReportNot sure how much life insurance your family needs? LIFE Foundation’s calculator walks you through income replacement, debt, childcare, and future education costs. Takes about three minutes. The number may surprise you.
Calculate Your NeedA free financial education curriculum built by the Federal Deposit Insurance Corporation. Covers banking basics, credit, savings, budgeting, and homeownership. Available in multiple languages and formats for all adult learning levels.
Access Money SmartInvestor.gov runs this free calculator for the SEC. Plug in a starting amount, monthly contribution, interest rate, and time. See exactly how compounding works. Run it with your child. The numbers tell the story better than any lecture.
Run the NumbersThe U.S. Small Business Administration offers loans, grants, and free business planning tools for entrepreneurs. From LLCs to funding options to federal contracting opportunities – this is the federal government working for business owners, not the other way around.
Explore SBA ResourcesSCORE is a network of 10,000+ volunteer business mentors backed by the SBA. Free one-on-one mentoring, workshops, and templates. Whether you are launching your first business or scaling an existing one, a mentor who has done it before changes everything.
Find a MentorThe official federal grants portal. Search thousands of grant opportunities for small businesses, nonprofits, and community organizations. This is not a loan – grants are capital you do not pay back. Filter by eligibility and industry to find what fits your vision.
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