Bond Provision: Trump Bank Savings Account

Section 1. Title and Establishment

This provision shall be known as the Trump Baby Bond Provision for Generational Equity and Economic Maturity. A dedicated financial instrument in the principal amount of Ten Million Dollars ($10,000,000) shall be established for each qualifying account holder at birth or upon enrollment. The fund shall be managed by a federally recognized trust institution subject to fiduciary standards and oversight.

Section 2. Interest Accrual and Tax Credit Access

1. Interest Accumulation:
   
   The bond shall accrue interest annually at a competitive, inflation-adjusted rate, compounded annually.
   
   

2. Tax Credit Disbursement Structure:
   
   

   • At age 35 and up, the account holder shall be eligible to receive a tax credit equal to 15% of the accrued interest.
     
     

   • Between the ages of 25 to 34, the account holder may access a tax credit of 5% of the accrued interest, contingent upon documented civic or economic contribution (such as verified employment, public service, or entrepreneurial activity).
     
     

   • No tax credit shall be granted before the age of 25.
     
     

Section 3. Work-For Program (Ages 15–25)

To foster generational awareness, societal growth, and independence, account holders between the ages of 15 and 25 shall be enrolled in the National Development and Wellness Initiative (NDWI)—a work-for-credit program designed to:

1. Educate: Provide skill-building experiences across industries including clean energy, digital infrastructure, ethical finance, and sustainable agriculture.
   
   

2. Develop: Promote a culture of work-life balance and purpose-driven innovation, through mentorship, community service, and project-based learning.
   
   

3. Protect: Safeguard youth from exploitative systems, substance dependency, and propaganda through mandatory media literacy, mental health programs, and civic education.
   
   

Completion of this program will qualify participants for:

• Early release of developmental grants,
  
  

• Preferential access to government-supported entrepreneurial funds,
  
  

• Work credits toward full access of interest benefits at age 25 and 35.
  
  

Section 4. Bond Use Restrictions

Funds from this bond shall not be withdrawn or pledged until the age of 35 unless used for:

• First-time home ownership,
  
  

• Higher education expenses,
  
  

• Entrepreneurial or cooperative business development (vetted by the public trust),
  
  

• Public service loan forgiveness match programs.
  
  

Misuse or fraudulent claims shall disqualify the holder from future tax credits or interest earnings.

Section 5. Oversight and Reporting

The administration of the Trump Baby Bond and its associated programs shall be overseen by a tripartisan board of public trustees, youth representatives, and independent auditors. An annual public report shall be made available to ensure transparency, equity, and accountability.

The monetary value of the interest-based tax credit from the $10 million Trump Baby Bond, assuming a modest annual interest rate of 5% compounded annually (which is a realistic estimate for a trust-based long-term bond). Then calculate:

1. Total interest accumulated by age 25 and 35
   
   

2. 5% and 15% tax credit values based on that interest
   
   

📈 

Assumptions:

• Principal: $10,000,000
  
  

• Interest Rate: 5% annually (compounded)
  
  

• Interest Formula:
  
  A = P(1 + r)^t
  
  where:
  
  

  • A = Amount after time t
    
    

  • P = Principal = $10,000,000
    
    

  • r = 0.05
    
    

  • t = number of years
    
    

🧮 

1. Value at Age 25 (t = 25)

A = 10,000,000(1.05)^{25} ≈ 10,000,000(3.386) ≈ 33,860,000

• Total Interest Earned:
  
  33,860,000 - 10,000,000 = 23,860,000
  
  

• 5% Tax Credit at Age 25–34:
  
  0.05 × 23,860,000 = $1,193,000
  
  

🧮 

2. Value at Age 35 (t = 35)

A = 10,000,000(1.05)^{35} ≈ 10,000,000(5.516) ≈ 55,160,000

• Total Interest Earned:
  
  55,160,000 - 10,000,000 = 45,160,000
  
  

• 15% Tax Credit at Age 35+:
  
  0.15 × 45,160,000 = $6,774,000
  
  

*The remaining 85% interest compounded from bonds are returned to the coffers for debt relief.