Good morning. The Treasury Department announced yesterday that BNY Mellon and Robinhood will build and run the app for Trump’s tax-deferred investing accounts for kids, which is due to launch in July and be seeded with $1,000 of federal money for babies born between 2025 and 2028. While critics say there are better places to deploy that cash, investing early is a time-tested way to build wealth. That may be why companies like Nvidia, JPMorgan Chase, BlackRock, Intel, Citigroup, Chipotle, Delta Air Lines, and Coinbase have pledged to match the Treasury grant for employees’ children. It’s why Dell Technologies CEO Michael Dell and his wife Susan stepped up to donate $6.25 billion to fund the accounts. Amid growing concerns about AI job loss and the wealth gap, should other leaders promote this product, too? A few things to consider:

A way to promote financial wellness: Saddled with debt, stagnant wages and rising home costs—and tools that enable impulse investing—younger investors gravitate towards risky bets. “We could afford a house at 27 or 28. These kids can’t, so they look to quick‑buck flips, and that’s just not how markets work,” says Bill Capuzzi, CEO of Apex Fintech Solutions, which runs the infrastructure for many investing apps, reaching 41 million consumers. While the typical age for first-time home buyers has risen to 40, Gen Z is saving earlier for retirement. The Trump accounts could show the next generation of parents (and their kids) the power of prudent investing early on. Said Capuzzi: “Take this $1,000, don’t touch it, watch it compound over 18 years and learn how the markets really work.” (With parental contributions, Trump Account holders could have $270,000 by the age of 18.)

A family-friendly signal to talent: Some companies offer scholarships for employees’ children, but that can turn out to be a tax headache or source of resentment. Turns out it’s also not so easy to do a company match on Trump Accounts, which enable employers to deposit up to $2,500 into an account for each employee’s eligible child. Seventy percent of employers polled by Plan Sponsor Council of America last year said they didn’t plan to participate, citing the administrative burden, concerns about favoritism and lack of clarity around implementation. (Some already contribute to state 529 accounts.) BNY CEO Robin Vince signed on in December, praising the accounts as “a head start” for employees’ children. When I asked another leader yesterday about their plans, they waved away the topic, saying “we’re focused on improving what we already have.”

A long-term bet: Four million children have already signed up, according to IRS figures. The Dells plan to put $250 in accounts for 25 million kids, with Michael Dell telling me he hopes it “inspires children to want to learn more about compound interest.” I hope so, too. But any account bearing the name of a sitting president does carry another risk. As US Bank CEO Ganjan Kedia noted when I asked her about it yesterday: “Whether this survives after three years, the next Congress will have a point of view on that.” Indeed. With national debt topping $39 trillion, future presidents may decide to deploy that capital in a different way.

Contact CEO Daily via Diane Brady at diane.brady@fortune.com

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