➡ Starting next year, Americans can open a low-cost IRA account on Trump IRA.gov, similar to the retirement accounts federal employees have. This new executive order, signed by President Trump, aims to help workers without employer retirement plans by offering a Savers Match program, which will provide federal matching contributions for qualifying lower-income workers starting in 2027. However, it’s important to understand the rules, check the fees, and compare options before signing up.
➡ The Trump administration is rebranding a retirement plan called Secure 2.0, originally passed under Biden, causing some confusion. This plan can benefit people with IRAs and those wanting to learn about their options, but it’s important to understand the fees and quality of the plan. There’s a risk of scams with new government-branded financial websites, so caution is advised. The plan, also known as the Savers Match, is designed to help those with lower incomes or part-time work save for retirement, but it’s crucial to read the fine print and understand where your money is going.

We have a good moment. Beginning at the start of next year, every American will be able to go to Trump IRA.gov and open a new low-cost IRA account. You’ll then be able to access the same type of retirement accounts that federal employees enjoy through the Thrift Savings Plans, which are incredible. Friends, how would you like to get your hands on a thousand dollars from the government? Kind of reminds me back in the hogwash days where that blood money, that hush money, was sent to businesses so that they would comply with the unconstitutional, irrational, unthinkable measures.

Never called them mandates. They were never passed by law. But many of these companies went along with it because they were getting handouts from the government. Well, here comes President Trump with a new executive order just signed today, April 30th, directing the Treasury to create Trump IRA.gov. This will be a government website where workers who don’t have employer retirement plans already, they can find and compare private sector IRA options. So, it’s not described as a new government-run retirement plan, but there’s something called the Savers Match, which starts in January, 2027. And ostensibly, this is going to offer federal matching contributions for qualifying lower-income workers.

We’re going to be looking at that. We’re going to be looking at the fine print because often these things sound pretty good like, hey, Trump is giving us free money. Oh, by the way, what happened to the $2,000 per person from the tariffs? Oh, that’s right. We’re never going to see it. Friends, before we dive into this video, let me share with you another way that you can protect your money, and that is with noblegoldinvestments.com. You see, Wall Street is counting on you to panic. They don’t lose money on sell-offs, but you do.

Wall Street creates the panic. They wait for you to sell out of fear and then scoop those shares up at a discount. The big banks aren’t selling their gold. They are buying yours. So don’t let them shake you out of the position that you built to protect yourself. They’re counting on your fear. Stop giving it to them. I’d love for you to visit noblegoldinvestments.com, and I’ll have a link for you in the description box below. And you can also learn about this limited time offer where you will get a free 10th-ounce American gold eagle for all new qualified accounts.

So noblegoldinvestments.com, if that’s where you want to learn about getting your hands on physical precious metals or rolling over your IRA into a gold IRA. Now, let’s hear more about what Trump has in store. As part of the Federal Savers Match Program, low-income Americans will be eligible to receive up to $1,000 per year in matching funds deposited directly into their accounts. It’s a great thing for millions of Americans who lack employer-sponsored plans. This will be really revolutionary because they’ll be covered. Nobody thought that was possible. For example, if a 25-year-old who is eligible for a Savers Match Program invests just $165 a month under the matching federal contributions, they will have an estimated $465,000 in their account by the time they’re 65 years old.

In other words, they’ll be rich. And there’s something awfully nice about that. But this is only the first step. I was talking to Kevin Hassett a little while ago, and the people standing right behind me, we’re going to take it to the next level. And the next level, Kevin, you’re going to mention something, but the next level will be necessary to have congressional approval. What you just heard, we don’t need congressional approval. And it’ll never be terminated because the terminated, if somebody else is in office, the terminated, you’d have to take that money away.

You’d have to really take away something that’s so positive. I don’t think any politician would do it. But to take it to the next level, we need congressional approval, which should be very easy to get. It should be bipartisan. Normally, it would be bipartisan, but today, nothing’s bipartisan. I mean, it should be something that everybody supports. So, Kevin, before we start, maybe you could just explain what we’re talking about for the next level. Right. So for the next level, sir, what we’re already talking, Chairman Smith and I, about, and they’re already, I’ve been talking with Mr.

Smucker about this for a number of years, is that we’re going to expand this program that you’re creating here, which is for low-income people to middle-income people that may be above as well. So that every American, most high-income people have an employer that gives them a 401k with a match. But low-income people or Uber drivers or something, they don’t have access to that. They don’t have access to the match. What you’ve done here is you’ve given the match to low-income people with incomes below 35,000. But we think that there are a lot of people even who make more than that, that don’t have any assets for retirement.

And so we’re working with Congress to significantly expand this program and are looking forward for legislation this year to expand this. From an executive order creating Trump IRA.gov. And so I know there are people that are going to be cheering this and others that are going to be jeering it, but let’s just break this down. So you can get the actual executive order over at whitehouse.gov. And a quick reminder that executive orders can be reversed by the next executive. So if Trump is not, and he won’t be president in 2028, whoever is can undo this because it has not been established through legislative means.

So just throwing that out there that the executive orders are easily tossed aside once there’s a new executive in town. But this is supposed to be a new government website, trump IRA.gov, where Americans who don’t have a retirement plan at work can compare private IRA options. So basically, if you’re self-employed, or, you know, part-time a gig worker, working for a small business, driving Uber or Instacart, your employer doesn’t offer you a 401k. So this could matter to you. So again, in 2027, the federal government is supposed to offer something called the saber’s match.

And this is basically a matching contribution for qualifying workers who are saving for retirement. So my research shows that it could mean up to $1,000 added to their retirement account. And you know, if the government is going to give you that money, that’s something that some people are really going to consider, but we need to understand the rest of the story. This is not, well, who knows if they’re going to print this money out of thin air, either that or it comes out of your pocket. Taxpayer funded, in other words, and this program will have eligibility rules.

It will depend on the person’s income. You still need to understand what account you are opening, what fees are attached, who manages it, what you’re actually invested in, and whether or not it actually fits your situation. Now, I just brought you a message from Noble Gold Investments. I’m not an investments expert, and I’m not telling you what to do with your money, but I will have an interview with Colin Plume from Noble Gold Investments. And I want to talk about this Trump IRA in more detail, because that is really his area of expertise is investing your and protecting your wealth and growing your wealth.

So again, don’t just click on some random ad or fake website because it has the word Trump in it and IRA. I mean, friends, we’ve seen this before with other situations where the scammers are already on it. They’re going to be, unfortunately, targeting people that probably could use this government money. So this is for a person who doesn’t have a workplace retirement plan, or maybe for younger people, or people that just have the part-time workers, independent contractors, small business employees, or lower income workers who may qualify for this up to $1,000 match.

Even parents or grandparents that are helping adult children get started might be interested. But again, I wouldn’t say run out and sign up for it because if you already have a good retirement plan, or if you don’t understand the fees, or maybe you know someone who’s just tempted to open up an account because it has Trump’s name attached to it, that would be sad to quote Trump, very sad. So the bottom line is this, it could help Americans who have been left out of the retirement system, but the smarter move is to read the rules, check the fees, compare options, and know exactly where your money is going.

So I would say, I was kind of looking at the pros and cons of this. So apparently, there are millions of people that work in the private sector, and they don’t get retirement benefits through their jobs. So in that case, it could make this government’s savers match easier to use. $1,000, or I should say up to $1,000 for a single filer, and up to $2,000 for married couples filing jointly. So that could be a draw. And here’s what’s interesting that most people don’t know. Well, this is breaking news. So a lot of people haven’t gotten to the deeper digging.

But what’s interesting is the idea of a government funds matching your retirement. It comes from the Biden administration. There was something called Secure 2.0 that was passed in 2022 under Biden. And now Trump basically is rebranding it and taking it as his own vehicle here. So why not? Trump likes to put his name on things. So of course, the cons to this, and it starts with the letter, or the first few letters that spell out con is con fusion. And you know how I feel about confusion. Confusion is one way to manipulate people.

Some people might think that this is a new federal retirement plan, but you don’t even have to work for the federal government. It actually can help people who already have IRA plans and learn more about their options. You always need to check out the fees, the quality of the plan. I always give a disclaimer, even when I’m talking about noble gold investments, every investment carries a risk. You want to get these things well vetted. But because this came up on my radar as breaking news, and because I talk about gold IRAs and actual physical gold and silver, I thought that this might be of interest to some of my viewers.

Now, I will say that people have reached out to me to ask me, Peggy, what do you invest in specifically? And what should I invest in? Should I invest in real estate? Should I have cash? Should I be in the stock market? Should I have an IRA in the stock market? Or you can have an IRA in real estate. And my answer is always this, get your answers from an expert. I am not giving financial advice on this show, but I am bringing stories that you can dig deeper and learn more. The most important thing that I want to guard against to make sure that you are well aware of are the scams.

Because now, if there’s a new government branded financial website, how do you know that you’re not going to be hit up with all of these other fake, phony, fraudulent websites saying, oh, click here, and we can help you get set up with the government account. I wouldn’t go for that. It always drives me bonkers. And it’s so distressing to hear of these stories, especially when elderly people are targeted and they get these phone calls saying that they owe money to the government or they owe money on an electricity bill. And if they don’t pay it right away, they’re going to have these liens against their homes.

So I can’t stand for people to be bamboozled, hoodwinked, or deceived. So I’m not promoting this plan. I’m just bringing it out for your attention because it caught my eye and I didn’t really understand what it was. So I thought that might be the same for you so that we could dig in together. The bottom line would be people with lower incomes, those that have part-time work, their contractors, maybe they’re freelancers, self-employed. And if they want to save a modest amount, it could benefit them because this government’s program called the Savers Match, is designed to help reward people who are putting contributions into retirement accounts.

Do you need to go through the government to do it? No, you don’t have to. But this ideally is going to be giving information to people so they can learn how to do it and not get behind on their retirement savings. So free money, well, maybe not exactly. You want to read the fine print, as I say, and figure out what are the fees? Where is your money going? How can you get that match? Are there any strings attached? And even though Trump is calling it the Trump IRA.gov, just remember that it did start under Biden.

All right, friends, that’s all I’ve got for you today. It was kind of a bonus video for you. I don’t normally broadcast on Thursdays, but I thought you’d like to learn more about this, as I did. And I’ll have a link for you in the description box, not only to noblegoldinvestments.com, but also to the whitehouse.gov, where you can actually read through the executive action for yourself. Thank you, everybody, for being on board. I’ll have a write up about this on my free substack, which is peggyhall.substack.com. Join me on Friday over at my other channel where we leave the headlines behind.

And we are focusing on living swell, keeping our head above the waves in the stormy seas of life. And on Friday. [tr:trw].

See more of The Healthy American Peggy Hall on their Public Channel and the MPN The Healthy American Peggy Hall channel.