The Invest America Act, also known as the One Big Beautiful Bill (BBB), has passed Congress and awaits President Donald Trump's signature to become law. This legislation establishes a government-funded investment program that provides every U.S. child born between January 1, 2025, and December 31, 2028, with a $1,000 starter account invested in the S&P 500. The accounts, referred to as “Trump Accounts,” will go live on July 4, 2026, coinciding with the nation’s 250th birthday. Families and friends can contribute up to an additional $5,000 annually, with up to $2,500 of those contributions eligible for tax-free treatment. The program aims to build generational wealth through long-term compound growth. The bill also includes expanded child care tax credits and provisions to help families save more for child care via pre-tax accounts, marking the first increase in nearly 40 years. While financial planners have noted that parents might find better options in existing investment vehicles, the new accounts represent a federal effort to support savings for new families and address child care affordability. The legislation is part of a broader Republican reconciliation package and has drawn attention for its potential market impact and role in future-proofing prosperity for American children.