Ideally, parents or schools should fill this gap in children's education by offering basic financial education. Schools often lack comprehensive financial education because of a crowded curriculum that prioritizes standardized testing, a shortage of trained teachers, and the perception that it is a personal or parental responsibility. "Trump Accounts" is a new federal initiative aimed at improving the financial future of American children through tax-advantaged investment accounts. Trump accounts are designed as long-term, tax-advantaged investment vehicles where funds are restricted until the beneficiary reaches 18 years old. The Trump Accounts will cost taxpayers about $15 billion through 2034.