“特朗普账户将成为我国历史上最具影响力的金融素养工具之一，”货币审计长乔纳森·古尔德周五在金融素养与教育委员会面前表示。“它们为所有美国人提供了一个独特的机会，让他们能够拥有地球上最强大经济体的股份，见证自己的财富增长，并开始他们的投资之旅。”
特朗普账户是根据2025年7月4日签署的“宏伟法案”创建的，是为儿童设立的税收递延投资账户。符合条件的儿童为2025年1月1日至2028年12月31日期间出生的美国公民，拥有有效的社会安全号码，将获得1000美元的联邦种子资金，同时家庭和雇主也可以在规定限额内进行贡献。
正如政府所称赞的，除了帮助增强儿童实现“美国梦”的能力外，古尔德表示，这些账户还将提高金融素养，并抵制他所说的反资本主义意识形态。
财政部长预测2026年美国经济将迎来爆发式增长，道指创历史里程碑
特朗普账户是根据2025年7月4日签署的“宏伟法案”创建的，是为儿童设立的税收递延投资账户。(Kevin Lamarque/路透社)
福克斯新闻数字版获得了古尔德在金融素养与教育委员会会议上的完整讲话，该会议重点讨论了特朗普账户的实施、消费者教育和推广工作。该委员会是财政部内的一个机构，成立于2003年，旨在提高公民的金融素养。
古尔德抨击了“集体主义政策”，如社会主义，认为金融素养需要“对自由市场原则的基本理解”，并将特朗普账户描述为对他所说的日益增长的反资本主义意识形态的回应。
古尔德说：“特朗普账户为所有美国人提供了一个独特的机会，让他们能够拥有地球上最强大经济体的股份，见证自己的财富增长，并开始他们的投资之旅。”“特朗普账户为美国儿童提供了体验我们自由市场优势的机会，并拥有美国梦的一部分。它们直接反驳了集体主义政策在哲学和经济上的死胡同。”
“特朗普账户将成为我国历史上最具影响力的金融素养工具之一，”货币审计长乔纳森·古尔德在金融素养与教育委员会面前表示。(Al Drago/彭博社通过盖蒂图片社)
古尔德领导货币审计长办公室，该办公室是财政部下属的一个独立机构，负责监管所有国家银行、联邦储蓄协会以及在美国获得许可运营的外国银行分支机构。
最近的调查发现，美国成年人存在金融文盲问题，包括世界经济论坛2024年发布的数据显示，约50%的美国成年人无法通过个人理财28题测试（称为P-Fin指数）。2024年WalletHub的另一项研究发现，Z世代（美国劳动力中最年轻的一代）是金融信心最低的一代，其中85%的人表示他们认为存在一个或多个实现财务成功的障碍。
古尔德在周五的讲话中继续表示，他的目标是“确保美国人具备驾驭金融体系的知识，加强支持其社区的竞争环境，并拥有促进繁荣的监管结构。”
他在委员会面前补充说，银行应该利用自己的信誉和地位，在“反资本主义意识形态”兴起后，为美国人接种疫苗，这种意识形态加剧了美国的金融文盲，此前几十年“太多学校和学院一直在教授有害且不准确的课程”。
古尔德说：“我强烈鼓励银行利用其在社区中的信誉和地位来对抗反资本主义意识形态的兴起。”“这些意识形态源于金融文盲，并反映了几十年来对太多学校和学院教授的有害且不准确课程的忽视。作为资本主义的核心工具之一，银行在这方面有重大利益，并且在为美国人接种这些有害意识形态的疫苗方面发挥着重要作用。”
2025年2月24日，星期一，美国纽约证券交易所悬挂美国国旗。(AP Photo/Seth Wenig，档案照)
转折点美国支持特朗普账户计划，为符合条件的员工新生儿提供“一美元换一美元”匹配
古尔德说：“金融素养与监管改革是相互关联的。当消费者了解银行和监管时，他们就不容易受到不当行为的影响，并且更有能力理解创新——无论是在数字支付、现代分销方法还是新金融服务方面——如何才能最好地为他们服务。”
据美联社报道，一些民主党议员和政策团体对特朗普账户表示反对，称其未能解决美国人面临的金融障碍，或者可能扩大财富差距，因为无法在种子资金之后进行额外贡献的贫困家庭将受益最少。
总统唐纳德·特朗普赞扬这些账户为公民提供了实现“美国梦”的更好机会，同时补充说它们就像“每个美国孩子的真正信托基金”。
特朗普在12月宣布账户时表示：“联邦政府还将自动为每个美国新生儿公民的税收递延特朗普账户一次性存入1000美元种子资金，兑现我在2024年竞选活动中做出的承诺。到孩子18岁时，特朗普账户的价值可能会增长到数千美元，到20岁甚至30岁时，价值会更高。”
FIRST ON FOX:“Trump Accounts” will work as a nationwide financial literacy starter kit that simultaneously serves as an antidote to rising anti-capitalist sentiment, according to the head of the Treasury bureau that regulates and supervises national banks.
“Trump Accounts will be one of the most impactful financial literacy tools in our country’s history,” Comptroller of the Currency Jonathan Gould said Friday before the Financial Literacy and Education Commission. “They present a unique chance for all Americans to own a stake in the most powerful economy on earth, watch their money grow, and begin their investing journey.“
Trump Accounts were created under the “big, beautiful bill” signed July 4, 2025, and are structured as tax-deferred investment accounts for children. Eligible children born between Jan. 1, 2025, and Dec. 31, 2028, who are U.S. citizens with valid Social Security numbers, receive a $1,000 federal seed contribution, while families and employers can also contribute under set limits.
In addition to the accounts helping bolster children’s ability to secure the “American Dream,” as the administration has celebrated, Gould said the accounts would bolster financial literacy and push back on what he described as an anti-capitalist ideology.
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Trump Accounts were created under the “big, beautiful bill” signed July 4, 2025, and are structured as tax-deferred investment accounts for children.(Kevin Lamarque/Reuters)
Fox News Digital obtained Gould’s full remarks at the Financial Literacy and Education Commission meeting that focused on the implementation, consumer education and outreach efforts for Trump Accounts. The commission is a body within the Treasury Department established in 2003 to improve the financial literacy of citizens.
Gould took aim at “collectivist policies,” such as socialism, arguing financial literacy requires “a foundational understanding of free-market principles” and casting Trump Accounts as a response to what he called growing anti-capitalist ideology.
Trump Accounts “present a unique chance for all Americans to own a stake in the most powerful economy on earth, watch their money grow, and begin their investing journey,” Gould said. “Trump Accounts offer an opportunity for America’s children to experience the best of our free markets and to own a piece of the American Dream. And they are a direct rebuttal to the philosophical and economic dead-ends of collectivist policies.”
“Trump Accounts will be one of the most impactful financial literacy tools in our country’s history,” Comptroller of the Currency Jonathan Gould said before the Financial Literacy and Education Commission.(Al Drago/Bloomberg via Getty Images)
Gould leads the Office of the Comptroller of the Currency, which is an independent bureau under the Treasury Department’s umbrella that regulates all national banks, federal savings associations, as well as branches of foreign banks licensed to operate in the U.S.
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Recent surveys have found that U.S. adults suffer from financial illiteracy, including the World Economic Forum publishing data in 2024 that found roughly 50% of U.S. adults could not pass a 28-question test on personal finances, called the P-Fin Index. A separate study published in 2024 by WalletHub found Gen Z — the youngest generation in the U.S. workforce — is the least financially confident generation, including 85% reporting they see one or more barriers to financial success.
Gould continued in his remarks Friday saying that his goal is to “ensure that Americans are equipped with the knowledge to navigate the financial system, strengthen the competitive landscape that supports their communities, and have a regulatory structure that promotes prosperity.”
He added in his remarks before the commission that banks should use their credibility and standing to inoculate Americans against the rise in “anti-capitalist ideologies” compounding U.S. financial illiteracy after decades of “inattention to the harmful and inaccurate curriculum that too many of our schools and colleges have been teaching.”
“I strongly encourage banks to use their credibility and standing in the community to combat the rise of anti-capitalist ideologies,” Gould said. “These ideologies are borne of financial illiteracy and reflect decades of inattention to the harmful and inaccurate curriculum that too many of our schools and colleges have been teaching. As one of the central instruments of capitalism, banks have a major stake in this, and they have an important role to play in inoculating Americans from these harmful ideologies.”
An American flag is displayed on the New York Stock Exchange in New York, Monday, Feb. 24, 2025.(AP Photo/Seth Wenig, File)
“Financial literacy and regulatory reform are connected,” Gould said. “When consumers understand banking and regulation, they are less vulnerable to improper practices and more capable of understanding how innovation, whether in digital payments, modern distribution methods, or new financial services, can best serve them.”
Some Democrat lawmakers and policy groups have spoken out against Trump Accounts, claiming they fall short of addressing financial hurdles Americans face or could widen the wealth gap as poor families unable to add contributions following the seed money will benefit the least, The Associated Press reported.
President Donald Trumphas celebrated the accounts as providing citizens a better shot at the “American dream” while adding that they are like “real trust funds for every American child.”
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“The federal government will also automatically be making a one-time seed contribution of $1,000 into the tax deferred Trump accounts for every newborn U.S. citizen, fulfilling a promise I made in the 2024 campaign,” Trump said in December while announcing the accounts. “Trump accounts should grow to be worth many thousands of dollars by the time the child is 18 and even more by the time they are 20 or even 30 years old.”
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