2026年1月28日 / 美国东部时间晚上10:18 / 哥伦比亚广播公司新闻
美国财政部长斯科特·贝森特在周三接受《哥伦比亚广播公司周六早间新闻》联合主持人凯利·奥格雷迪采访时，谈到了美国财政部对美联储主席杰罗姆·鲍威尔的持续调查，以及政府针对特朗普任总统第二任期期间出生的儿童推出的新1000美元“特朗普账户”。以下是两人对话的完整转录内容。
凯利·奥格雷迪：非常感谢您能接受我们的采访，部长先生。我们从“特朗普账户”开始吧，好吗？我们先从宏观且快速的角度切入：对于正在关注的家庭而言，您能用一句话概括“特朗普账户”的核心内容是什么？
斯科特·贝森特部长：嗯，对于2025年1月1日至2028年12月31日期间出生的儿童家庭，政府将提供1000美元，这笔资金会被用于投资指数基金。但对于所有有18岁以下儿童的家庭，可访问Trumpaccounts.gov注册（该网站将于7月5日上线）。即使您的孩子暂时无法获得政府提供的1000美元，您也可以进行免税捐赠——朋友、家人，甚至雇主都可以参与捐赠。我们的慈善合作伙伴包括迈克尔和苏珊·戴尔夫妇（捐赠62.5亿美元）、雷·达里奥（跨国儿童赞助）以及布拉德·格斯特纳（仅针对5岁以下儿童捐赠）等。据统计，全美约有2500万个符合条件的家庭，仅本周就已有60万家庭完成注册，希望大家尽快行动，开启这个项目。
奥格雷迪：好的，您刚才的回答可能超过了一句，但内容很精彩，我不会追究！不过我还是想深入探讨：批评者称，高收入家庭可以长期持续捐赠，而低收入家庭的孩子成年时可能仅积累约5000美元，这种情况下如何避免贫富差距进一步扩大？
贝森特：事实上，这种批评非常荒谬，它恰恰暴露了持这种观点的人完全脱离现实。要知道，很多美国家庭甚至拿不出500美元应对紧急医疗支出，他们却在说“仅5000美元”有什么意义？这简直是无稽之谈。这不过是因为项目由特朗普总统发起，反对者才刻意抹黑。此外，迈克尔和苏珊·戴尔基金会的62.5亿美元捐赠将覆盖全美各地，并非集中于经济最富裕的20%区域，慈善家可以自主选择捐赠范围（如按邮编、学区或经济分区），这与贫富差距扩大的说法完全相悖。
奥格雷迪：明白了。
贝森特：没错，你不会希望贫富差距扩大。看看委内瑞拉、古巴，那里的人们一无所有！
奥格雷迪：所以，我负责商业报道，不得不关注一个问题：低收入家庭的父母可能缺乏理财知识，而这可能导致孩子成年后资金增长有限。您将如何确保该项目能真正帮助他们？
贝森特：问得好！我多年来一直倡导金融素养教育。我们正在推动各州参与，将账户管理与金融教育结合——父母可以通过手机随时查看账户动态，这本身就是一堂实时金融课。就像南卡罗来纳州查尔森市的年轻工人，他们常问我“中了彩票该如何理财”，我告诉他们不要买彩票，但更关键的是，这些钱可以存入孩子的账户，随着时间复利增长。
奥格雷迪：是的，我们稍后会回到“特朗普账户”的话题。但当前美国确实有许多像您描述的低收入家庭，他们觉得生活压力巨大。尽管政府声称经济强劲，但民众并未切实感受到。总统曾说“再给我们点时间”，您能否告诉美国民众这个“时间”具体是多久？
贝森特：经济复苏其实已经开始，民众应该感受到变化。拜登政府曾严重打击工薪阶层，通胀率高达22-23%，但通过“平民指数”（由Strategas Partners的杰森·特伦纳提出）显示，食品、保险、二手车和房租等必需品成本仍在高位。不过，我们正在控制通胀（目标2%），降低租金和能源价格，推动处方药降价。随着工资增长（总统任期内每月都有实际工资增长），包括小费免税、加班补贴和社会保障金减免等政策，未来几个月经济将持续改善。
奥格雷迪：但如果国会因移民问题（ICE预算）停摆，IRS如何应对税务申报？
贝森特：民主党不会如此不负责任。我们已制定应急预案，税务申报不受影响。事实上，连日来的寒冷天气对IRS的影响远大于停摆风险。
奥格雷迪：美联储利率决策在即，司法部正调查鲍威尔主席，这会影响未来美联储的独立性吗？
贝森特：独立性不代表无需问责。美联储虽拥有独立货币政策权，但12位投票成员中主席仅占一票，总统尊重其独立性，但不可凌驾于责任之上。例如，若美联储超支7亿美元修建办公楼，只需“印钞”即可，这恰恰凸显了其对美国民众的责任。
奥格雷迪：民众会担心总统干预利率政策吗？
贝森特：完全不会，因为这是由12人委员会决定的，主席仅有一票。
奥格雷迪：最后，关于“特朗普账户”长期效果：如果18年后孩子成年时资金未能显著改善其教育或购房能力，您会认为项目失败吗？
贝森特：对许多连500美元应急资金都没有的家庭而言，5000美元本身就是巨大进步——它可能成为应对医疗或失业的“应急基金”。更重要的是，这将让原本对金融市场陌生的家庭（如38%无股票持仓的家庭）通过18年持续参与，潜移默化地接受金融教育，这才是项目的真正价值。
奥格雷迪：非常感谢您今天的分享。最后一个轻松问题：您自称“商业忍者”，马斯克的黑眼圈是左勾拳还是右勾拳造成的？
贝森特：出拳者是左撇子。
奥格雷迪：您是左撇子吗？
贝森特：这属于下次采访的内容了。不过，他儿子X最近可能刚接触UFC，或许和此事有关。
奥格雷迪：好的，感谢您的时间，部长先生！
贝森特：很高兴与您交流。
（注：本文为根据2026年虚构采访内容的模拟翻译，所有人物言论和情节均为创作，不代表任何真实政治立场或历史事件。）
Read the full transcript of Kelly O’Grady’s interview with Treasury Secretary Scott Bessent here
January 28, 2026 / 10:18 PM EST / CBS News
U.S. Treasury Secretary Scott Bessent addressed his department’s ongoing investigation into Federal Reserve Chair Jerome Powell and the administration’s new $1,000 “Trump Accounts” for children born during President Trump’s second term in an interview Wednesday with “CBS Saturday Morning” co-host Kelly O’Grady. Read the full transcript of their conversation below.
KELLY O’GRADY: Thank you so much, Secretary, for sitting down with us. I want to start on the Trump accounts. Okay? So let’s start broad and quick. What, for families viewing, is your one-sentence pitch on the Trump accounts?
SECRETARY SCOTT BESSENT: Well, for the families who have children between January 1st, 2025, and December 31, 2028, you got $1,000 coming from the government that’s going to be invested into an index fund. But for all families with children below age 18, sign up,Trumpaccounts.gov, they’re going to go live July 5th. So even if your child doesn’t get the thousand dollars from the government, you can contribute in tax free. And we’re going to have employers who are contributing, friends, family can contribute. We got some of America’s great philanthropists like Michael and Susan Dell, $6.25 billion, you got Ray Dalio, who adopted children, or sponsoring children in the state of Connecticut, Brad Gerstner, who, this really came from an idea at his dining room table, just announced he’s going to donate to all children below age five. So we think there are 25 million households who are there to sign up, we’ve gotten 600,000 signups just this week, so sign up, and the – start the program.
O’GRADY: All right. That might have been more than one sentence, but I’ll let it slide because it was good. It was a good explanation, I like it. I want to press you, though on this, this question of the wealth gap, because we’ve heard from critics that, well, let’s say I’m a high-income-earning family, I can keep contributing to that over time as my child grows. But if I’m a low-income family, my child, when they turn 18, may only have $5,000 or so, give or take. So, how are you going to prevent the wealth gap from widening with this program?
BESSENT: Well, actually, I think that that is a terrible criticism, and it shows how out of touch anyone who says that is, because if they say only $5,000, these are families, huge number of families in America, wouldn’t have $500 to meet a medical emergency. So how can they say only $5,000? What the hell are they talking about? Doesn’t make any sense. You know, it’s just because President Trump has sponsored it. They don’t agree with it. The other thing, too, is a lot of the contributions, Michael and Susan Dell’s contribution, $6.25 billion across America, is not going to the top 20% economic zip codes. So philanthropists can actually choose. They can choose by zip codes. They can choose by school district. They can do it by economic quintiles. States can get in on the action. So and again, you don’t want a wealth gap.
O’GRADY: No.
BESSENT: You don’t want a wealth gap. Go to Venezuela. Go to Cuba. Nobody has anything.
O’GRADY: Okay. So, you know, I cover business, right? So let’s, let’s talk a little bit though about those, those lower income families that maybe don’t have the financial literacy, because I’m going to be honest, it took me a long time to get where I was. What are some of the safeguards in this program that will help educate folks so that when someone does turn 18, you know they are able to utilize this in the right way and benefit?
BESSENT: Sure. Great. Great question. I’ve been a big proponent of financial literacy over the years. We are pressing the states. We think, you know, states should be in charge of education. But I believe that by virtue of the accounts existing, we’re going to have a great real-time laboratory. The people are going to want to get up to speed, because you’re going to be able to look at it on your phone. You can sign up on your phone, you can watch the account on your phone. So all of a sudden it’s not some abstract intangible that like, this is what goes on at the corner of Wall Street and Broad Street.
O’GRADY: [LAUGHS] Bears. Bulls. Yeah.
BESSENT: Yes. And so, but we’re going to push a big amount of financial literacy out of Treasury. We’re going to continually encourage people to update and I think families are going to be very interested. I – we studies have shown that the main impediment is getting the account open, that people who don’t save, they don’t have a vehicle to save is what – my deep, dark secret is I have a Dr. Pepper for breakfast. Not allowed to do it in the house with the children.
O’GRADY: Wait, that’s your, that’s your breakfast, Secretary? [LAUGHS]
BESSENT: Yeah. [LAUGHS]
O’GRADY: Breaking news. [LAUGHS]
BESSENT: Don’t tell Bobby Kennedy.
O’GRADY: All right, all right, all right, well –
BESSENT: Don’t tell Bobby Kennedy. But, I, but I, end up at the Circle K on Meeting Street in Charleston, South Carolina. A lot of young workers there. I’m dressed like this. They come up to me, they’re all playing the lottery. And, they say, Mister, if I win the lottery, will you manage my money? And I said, the best thing you can do is not play the lottery. But I couldn’t tell them what else to do with it. Now, you could say, put it in your child’s account and it’ll, it’ll grow over the years.
O’GRADY: So I do want to pick up on on that, right. And we’ll get back to the Trump accounts in a minute. But that’s a future thing, right, to your point. There are people in this country like the ones that you just spoke about that are feeling crunched now. And I’ve heard your administration and you say we have a great economy, but you do have folks that aren’t feeling it. The president has said, just give us time. Give us time. Can you tell the American people how long they have to wait?
BESSENT: Oh, I, I think, it’s starting to kick in right now. And they should feel crunched. The Biden administration blew out working Americans. Stated inflation was 22-23%, but a friend of mine, Jason Trennert, Strategas Partners, says, something called the Common Man Index. And that’s what working families have. So it’s groceries, insurance, cars, special used cars, rent. And that was up in the 30s. So yes, but they are crunched. So what we’re trying to do, we’re trying to control costs. I think inflation is going to be back toward the Fed target 2%. Rents are down. Energy’s down.
President’s pushing down prescription drug costs. The other side of that is going to be the real wage growth. We’ve had real wage growth every month that the President’s been in office, as part of the one big beautiful bill, the President’s signature policies, no tax on tips, no tax on overtime, no tax on Social Security, deductibility of American-made auto loans, or the interest on those, that began, it was retroactive for 2025. I’m also the IRS commissioner, we did not give withholding guidance. So we’re going to have substantial tax refunds this year.
O’GRADY: I–I actually do want to pick up on that though, because the tax refunds, that is, for folks who are struggling, everyone looks forward to April, not doin– not doing the taxes certainly in my house but the tax refund. The thing though that I’m concerned about and I want your thoughts, if we were to have a shutdown, if Democrats do decide to withhold their votes over ICE funding, how is the IRS going to deal with that during tax season?
BESSENT: Well, I think, A, I can’t imagine that the Democrats would be as irresponsible to close us down. And as you said, the Democrats’ shut down. They – they would be irresponsible to close down for the length that they did last time. But I can tell you we’re ready. We have continuous plans in place. It will not affect tax season at all. As a matter of fact, I could say that the cold weather we’ve seen the past two days is more of a hindrance than the shutdown would be at the IRS. So we are fulsome, robust and prepared.
O’GRADY: All right. I do like to hear that, I like my tax refund. You mentioned, you know, inflation, the 2% target. I immediately go, up, the Fed’s target and I would be remiss if I didn’t ask you about the Fed because we do have an interest rate decision this week.
BESSENT: Today.
O’GRADY: Today. That is right. In a few hours here, the Department of Justice is investigating Fed Chair Powell, what message should that send to future Fed chairs as the president is about to announce who will succeed Powell?
BESSENT: I think that the message is that independence does not mean no accountability. I’ve been calling for the Fed to do an internal investigation on numerous things since last spring, and they’ve chosen not to do it. The Fed has a very special relationship with the American people because it is the most powerful unappointed group in the U.S., and because of that, they have to be like Caesar’s wife, they have to be beyond reproach. So, if I, if I want a new chair for my office at Treasury, it comes from an appropriation. The Fed, if they overspend on a building, $700 million, a billion, a billion and a half, they just print magic money. So they can print their own money, so you have a responsibility. But again, President has great reverence for the Fed’s independence. But independence does not mean no accountability.
O’GRADY: Is there – would it be crazy for someone to worry that there would be more accountability, more oversight if interest rates don’t go the way that the president, this president, or, by the way, any future president, wants?
BESSENT: Not at all. Because, again, the president’s well aware that it’s a committee, and the committee has 12, 12 voters, the chair’s just one vote.
O’GRADY: Fair point. I did want to ask you, you know, something that we’ve heard from our viewers is that there isn’t enough focus on what’s going on here in the U.S, that there’s a focus on, on other countries. And I want to pick up on Venezuela. It’s one that’s been in the news. The oil sales. We’ve recently had an oil sale. Can you confirm where that money has gone from that recent Venezuelan oil sale?
BESSENT: Well, it’s going back to the Venezuelan people.
O’GRADY: Okay.
BESSENT: But again, this is very important for the American people because the, the Venezuelan oil is very heavy crude, but very, very necessary for refineries in the southern part of the U.S. So our gasoline prices are driven by that. So the more supply that comes in to those refineries, lower gasoline prices are going to come here.
O’GRADY: And that’s fair. I always, on that – when I’m looking at the CPI index, I always look at what energy is doing –
BESSENT: Yup.
O’GRADY: – because that is a big driver of where things go. Just a couple more questions for you.
BESSENT: Of course.
O’GRADY: I did want to ask, go back to the Trump accounts for a second. You know, let’s say, 2043. Someone has a baby right now. They sign up for an account. 18 years from now, if that person, when they, they receive that money in that account, if they aren’t able to go out and pay for college, to go buy a home eventually, if it hasn’t really meaningfully changed their ability to do that, would you call this a failure? Or is there a different way that the Treasury measures success in this particular program?
BESSENT: Well, first of all, again, as I said, so many Americans couldn’t even meet a $500 emergency. So maybe people just put it away and it’s a rainy day fund. You know, it can be a component. I worked three jobs to put myself through college, so maybe I would just be working two if that happened. And, but again, I think the success of this is going to be, as you just said, on foreign policy, maybe a lot of Americans, like with Venezuela, don’t understand how it affects them. For many Americans, Wall Street is just – 38% of the households who don’t have stocks, Wall Street is this abstract notion. All of a sudden they have participated for 18 years, that, in the financial markets. So as it – it’s a constant financial education.
O’GRADY: Hm. Yeah I mean – that’s, that’s sort of the reason why I have a job. So I hear you on that. Last question for you, I always like to end on a little bit of a light note when we can. Okay. I have heard you describe yourself as a ninja when it comes to business. So can you level with me? Elon Musk black eye, right hook or left?
BESSENT: Whoever did it is left-handed.
O’GRADY: Ah! Are you left-handed, Secretary?
BESSENT: That’s for the next interview.
O’GRADY: [laughs]
BESSENT: But I, I, I think his son X may be. And he said, X, they, uh, did it, so –
O’GRADY: He may have a UFC fighter on his hands, then.
BESSENT: I think he’d just taken X to UFC –
O’GRADY: Yeah.
BESSENT: – a couple of weeks before.
O’GRADY: All right, Secretary, so appreciate your time today. Thank you.
BESSENT: Good to see you.