Jon Hartley of the Hoover Institution joins The Steve Gruber Show for a hard-hitting look at what’s ahead for American families and the economy. First, they unpack “Trump Accounts”, the new savings-investment accounts for children created under the 2025 overhaul tax bill, and analyze whether these accounts can really deliver generational wealth building. Hartley explains how the accounts work: a $1,000 government seed for babies born between 2025–2028, with the option for parents or employers to contribute up to $5,000 a year, invested in broad U.S. stock-index funds.