Trump accounts—federally funded investment accounts giving eligible babies $1,000 to invest in the stock market—could address America's wealth gap, yet only 10% of eligible children have enrolled. Claire Cain Miller examines why families most likely to benefit aren't signing up and what barriers prevent the program from closing inequality. Babies born since January 1, 2025, receive $1,000 from the federal government to invest in low-cost index funds, with compounding returns potentially worth significantly more by age 18, addressing long-term wealth building rather than immediate financial needs.