New Money Accounts for Children and Old People

為兒童與老年人設立的新儲蓄帳戶

Jul 7, 2026, 18:36
AustraliaFinance

Introduction

The US government started 'Trump Accounts' for children. They also want to change how old people save money for retirement.

美國政府為兒童啟動了「川普帳戶」。他們也希望改變老年人儲備退休金的方式。

Main Body

Children under 18 can now have a special investment account. The government gives $1,000 to children born between 2025 and 2028. Parents and bosses can put more money in. Children get the money when they are 18.

18 歲以下的兒童現在可以擁有一個特殊的投資帳戶。政府會為 2025 年至 2028 年間出生的兒童提供 1,000 美元。父母和雇主可以存入更多資金。兒童在 18 歲時即可領取這筆錢。

Rich people are also giving money to help poor children. Michael Dell gave over 6 billion dollars. Other rich people are helping children in different states.

富人們也在捐款幫助貧困兒童。麥可·戴爾（Michael Dell）捐贈了超過 60 億美元。其他富豪也在幫助不同州的兒童。

The government wants a new system for old people. They want to copy Australia. In Australia, bosses must put money into a savings account for their workers. The US needs this because the current system will run out of money in 2032.

政府希望為老年人建立一套新系統。他們想效仿澳洲。在澳洲，雇主必須為員工將資金存入儲蓄帳戶。美國需要這樣做，因為目前的系統將在 2032 年耗盡資金。

Some people like this idea. Other people do not like it. Some say the government has too much power. Others say it is too hard to change the law for so many people.

有些人認同這個想法，但也有人不認同。有人認為政府權力過大，而有人則認為要為這麼多人修改法律太困難。

Conclusion

The US has a new way for children to save money. Now, the government is looking for a better way to help old people.

美國現在有了一種讓兒童儲蓄的新方式。目前，政府正在尋找更好的方法來幫助老年人。

Vocabulary Learning

🔍 The "People" Patterns

Look at how the text groups people. To reach A2, you need to describe groups simply.

The Pattern: [Adjective] + [People]

  • Rich people →\rightarrow People with a lot of money.
  • Poor children →\rightarrow Children with very little money.
  • Old people →\rightarrow People who are not young.

⚙️ Action Words (Money)

In this story, money doesn't just 'exist'; it moves. Notice these three simple verbs:

  1. Give (Government →\rightarrow Children)
  2. Put (Parents →\rightarrow Account)
  3. Save (People →\rightarrow Future)

Example: "Bosses put money into a savings account."

⚖️ The 'Some / Other' Balance

When people disagree, we use this pair to show two sides:

  • Some people like this... →\rightarrow (Group A)
  • Other people do not... →\rightarrow (Group B)

Tip: Use this when you want to talk about opinions in English!

Vocabulary Learning

retirement (n.)
The time in your life when you stop working because you are old.
Example:My grandfather is enjoying his retirement by gardening.
investment (n.)
Putting money into something to make more money in the future.
Example:Buying a house can be a good investment.
account (n.)
An arrangement with a bank where you keep your money.
Example:I opened a savings account to save for a new car.
system (n.)
A set of rules or a way of doing things.
Example:The school has a new system for grading students.
power (n.)
The ability to control other people or things.
Example:The president has a lot of power in the country.
Practice A2 words in a crossword→