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644			{
645				bidder: 'kargo',
646				params: {
647					placementId: '',
648					storageAllowed: true,
649				}
650			},
651			{
652				bidder: 'seedtag',
653				params: {
654					publisherId: '',
655					adUnitId: '',
656					placement: 'inBanner',
657				}
658			},
659		);
660		opscobid.addBidsToPrebidGroup('CNM-med-rect-300x250-18-RAIL',
661			{
662				bidder: 'nativo',
663				params: {
664					placementId: ''
665				}
666			},
667			{
668				bidder: 'kargo',
669				params: {
670					placementId: '',
671					storageAllowed: true,
672				}
673			},
674			{
675				bidder: 'seedtag',
676				params: {
677					publisherId: '',
678					adUnitId: '',
679					placement: 'inBanner',
680				}
681			},
682		);
683		// opscobid.addBidsToPrebidGroup('CNM_MAINLANDUS_ADHESION',
684		// 	{
685		// 		bidder: 'nativo',
686		// 		params: {
687		// 			placementId: ''
688		// 		}
689		// 	},
690		// 	{
691		// 		bidder: 'kargo',
692		// 		params: {
693		// 			placementId: '',
694		// 			storageAllowed: true,
695		// 		}
696		// 	},
697		// 	{
698		// 		bidder: 'seedtag',
699		// 		params: {
700		// 			publisherId: '',
701		// 			adUnitId: '',
702		// 			placement: 'inArticle',
703		// 		}
704		// 	},
705		// );
706		if (window.innerWidth < 768) {
707			opscobid.addBidsToPrebidGroup('CNM-leaderboard-970x250-320x50-1-ATF',
708				{
709					bidder: 'nativo',
710					params: {
711						placementId: ''
712					}
713				},
714				{
715					bidder: 'kargo',
716					params: {
717						placementId: '',
718						storageAllowed: true,
719					}
720				},
721				{
722					bidder: 'seedtag',
723					params: {
724						publisherId: '',
725						adUnitId: '',
726						placement: 'inBanner',
727					}
728				},
729			);
730		} else {
731			opscobid.addBidsToPrebidGroup('CNM-leaderboard-970x250-320x50-1-ATF',
732				{
733					bidder: 'nativo',
734					params: {
735						placementId: ''
736					}
737				},
738				{
739					bidder: 'kargo',
740					params: {
741						placementId: '',
742						storageAllowed: true,
743					}
744				},
745				{
746					bidder: 'seedtag',
747					params: {
748						publisherId: '',
749						adUnitId: '',
750						placement: 'inBanner',
751					}
752				},
753			);
754		}
755		    opscobid.setTargeting("is_testing","no"); // Set to "no" for production
756		
757		    opscobid.setTargeting("is_home", "no"); // Set to "yes" on the homepage
758		
759		    opscobid.setTargeting("catname", "news, opinion, "); // dynamically pass page category into this function
760				
761				opscobid.setTargeting("post_id", ""); // dynamically pass unique post/page id into this function
762				    opscobid.setTargeting("pageurl", "/2026/09/24/opinion-child-savings-accoun");
763		
764	opscobid.setTargeting("site", "hillsboronewstimes.com"); // Send site targeting
765
766	
767    opscobid.layout();
768  });
769</script>
769
770
771
772
773
774
775        
776                
777	      	
778
779								
779<script type="pmdelayedscript" data-perfmatters-type="text/javascript" data-cfasync="false" data-no-optimize="1" data-no-defer="1" data-no-minify="1">
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781  _taboola.push({article:'auto'});
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796				
797          <style id="wp-block-heading-inline-css">
798h1:where(.wp-block-heading).has-background,h2:where(.wp-block-heading).has-background,h3:where(.wp-block-heading).has-background,h4:where(.wp-block-heading).has-background,h5:where(.wp-block-heading).has-background,h6:where(.wp-block-heading).has-background{padding:1.25em 2.375em}h1.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h1.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h2.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h2.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h3.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h3.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h4.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h4.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h5.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h5.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h6.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h6.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]){rotate:180deg}
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800</style>
801<style id="wp-block-latest-comments-inline-css">
802:where(.wp-block-latest-comments){padding-left:0}ol.wp-block-latest-comments{box-sizing:border-box;margin-left:0}:where(.wp-block-latest-comments:not([style*=line-height] .wp-block-latest-comments__comment)){line-height:1.1}:where(.wp-block-latest-comments:not([style*=line-height] .wp-block-latest-comments__comment-excerpt p)){line-height:1.8}.has-dates :where(.wp-block-latest-comments:not([style*=line-height])),.has-excerpts :where(.wp-block-latest-comments:not([style*=line-height])){line-height:1.5}.wp-block-latest-comments__comment{list-style:none;margin-bottom:1em}.has-avatars .wp-block-latest-comments__comment{list-style:none;min-height:2.25em}.has-avatars .wp-block-latest-comments__comment .wp-block-latest-comments__comment-excerpt,.has-avatars .wp-block-latest-comments__comment .wp-block-latest-comments__comment-meta{margin-left:3.25em}.wp-block-latest-comments__comment-excerpt p{font-size:.875em;margin:.36em 0 1.4em}.wp-block-latest-comments__comment-date{display:block;font-size:.75em}.wp-block-latest-comments .avatar,.wp-block-latest-comments__comment-avatar{border-radius:1.5em;display:block;float:left;height:2.5em;margin-right:.75em;width:2.5em}.wp-block-latest-comments[class*=-font-size] a,.wp-block-latest-comments[style*=font-size] a{font-size:inherit}
803/*# sourceURL=https://hillsboronewstimes.com/wp-includes/blocks/latest-comments/style.min.css */
804</style>
805<style id="wp-block-latest-posts-inline-css">
806.wp-block-latest-posts{box-sizing:border-box}.wp-block-latest-posts.alignleft{margin-right:2em}.wp-block-latest-posts.alignright{margin-left:2em}.wp-block-latest-posts.wp-block-latest-posts__list{list-style:none}.wp-block-latest-posts.wp-block-latest-posts__list li{clear:both;overflow-wrap:break-word}.wp-block-latest-posts.is-grid:not(.is-layout-grid){display:flex;flex-wrap:wrap}.wp-block-latest-posts.is-grid:not(.is-layout-grid) li{margin:0 1.25em 1.25em 0;width:100%}@media (min-width:600px){.wp-block-latest-posts.columns-2:not(.is-layout-grid) li{width:calc(50% - .625em)}.wp-block-latest-posts.columns-2:not(.is-layout-grid) li:nth-child(2n){margin-right:0}.wp-block-latest-posts.columns-3:not(.is-layout-grid) li{width:calc(33.33333% - .83333em)}.wp-block-latest-posts.columns-3:not(.is-layout-grid) li:nth-child(3n){margin-right:0}.wp-block-latest-posts.columns-4:not(.is-layout-grid) li{width:calc(25% - .9375em)}.wp-block-latest-posts.columns-4:not(.is-layout-grid) li:nth-child(4n){margin-right:0}.wp-block-latest-posts.columns-5:not(.is-layout-grid) li{width:calc(20% - 1em)}.wp-block-latest-posts.columns-5:not(.is-layout-grid) li:nth-child(5n){margin-right:0}.wp-block-latest-posts.columns-6:not(.is-layout-grid) li{width:calc(16.66667% - 1.04167em)}.wp-block-latest-posts.columns-6:not(.is-layout-grid) li:nth-child(6n){margin-right:0}}@media (max-width:600px){.wp-block-latest-posts-is-layout-grid[class*=columns-]:not
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807/*# sourceURL=https://hillsboronewstimes.com/wp-includes/blocks/latest-posts/style.min.css */
808</style>
809<style id="wp-block-search-inline-css">
810.wp-block-search__button{margin-left:10px;word-break:normal}.wp-block-search__button.has-icon{line-height:0}.wp-block-search__button svg{fill:currentColor;height:1.25em;min-height:24px;min-width:24px;vertical-align:text-bottom;width:1.25em}:where(.wp-block-search__button){border:1px solid #ccc;padding:6px 10px}.wp-block-search__inside-wrapper{display:flex;flex:auto;flex-wrap:nowrap;max-width:100%}.wp-block-search__label{width:100%}.wp-block-search.wp-block-search__button-only .wp-block-search__button{box-sizing:border-box;display:flex;flex-shrink:0;justify-content:center;margin-left:0;max-width:100%}.wp-block-search.wp-block-search__button-only .wp-block-search__inside-wrapper{min-width:0!important;transition-property:width}.wp-block-search.wp-block-search__button-only .wp-block-search__input{flex-basis:100%;transition-duration:.3s}.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden,.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden .wp-block-search__inside-wrapper{overflow:hidden}.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden .wp-block-search__input{border-left-width:0!important;border-right-width:0!important;flex-basis:0;flex-grow:0;margin:0;min-width:0!important;padding-left:0!important;padding-right:0!important;width:0!important}:where(.wp-block-search__input){-webkit-appearance:initial;-moz-appearance:initial;appearance:none;border:1px solid #949494;flex-grow:1;font-family:inherit;font-size:inherit;font-style:inherit;font-weight:inherit;letter-spacing:inherit;line-height:inherit;margin-left:0;margin-right:0;min-width:3rem;padding:8px;text-decoration:unset!important;text-transform:inherit}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper){background-color:#fff;border:1px solid #949494;box-sizing:border-box;padding:4px}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) .wp-block-search__input{border:none;border-radius:0;padding:0 4px}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) .wp-block-search__input:focus{outline:none}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) :where(.wp-block-search__button){padding:4px 8px}.wp-block-search.aligncenter .wp-block-search__inside-wrapper{margin:auto}.wp-block[data-align=right] .wp-block-search.wp-block-search__button-only .wp-block-search__inside-wrapper{float:right}
811/*# sourceURL=https://hillsboronewstimes.com/wp-includes/blocks/search/style.min.css */
812</style>
813<style id="wp-block-group-inline-css">
814.wp-block-group{box-sizing:border-box}:where(.wp-block-group.wp-block-group-is-layout-constrained){position:relative}
815/*# sourceURL=https://hillsboronewstimes.com/wp-includes/blocks/group/style.min.css */
816</style>
817
818</head>
819		<body id="articlePage" class="">
820		            <!-- Google Tag Manager (noscript) -->
vendor: 80 bytes, lines 820-821
820
821            <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=
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822            height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
823            
823<!-- End Google Tag Manager (noscript) -->
824                    <!--[if lt IE 7]>
825            <p class="chromeframe">You are using an <strong>outdated</strong> browser. Please <a href="http://browsehappy.com/">upgrade your browser</a> or <a href="http://www.google.com/chromeframe/?redirect=true">activate Google Chrome Frame</a> to improve your experience.</p>
826        <![endif]-->
827                
828				<div id="" class="undertone">
829
830          
831<style>
832    .sticky-masthead-container {
833        position: sticky;
834        top: 0;
835        width: 100%;
836        z-index: 999999999;
837    }
838
839    .masthead-navigation-menu {
840        height: 100%; /* 100% Full-height */
841        width: 0; /* 0 width - change this with JavaScript */
842        position: fixed; /* Stay in place */
843        z-index: 99999999999; /* Stay on top */
844        top: 0; /* Stay at the top */
845        left: 0; /* Stay at the left */
846        background-color: #111; /* Black*/
847        overflow-x: hidden; /* Disable horizontal scroll */
848        transition: 0.3s; /* 0.3 second transition effect to slide in the sidenav */
849        scrollbar-width: none;
850    }
851
852    .masthead-account-menu {
853        height: 100%; /* 100% Full-height */
854        width: 0; /* 0 width - change this with JavaScript */
855        position: fixed; /* Stay in place */
856        z-index: 99999999999; /* Stay on top */
857        top: 0; /* Stay at the top */
858        right: 0; /* Stay at the right */
859        background-color: #111; /* Black*/
860        overflow-x: hidden; /* Disable horizontal scroll */
861        transition: 0.3s; /* 0.3 second transition effect to slide in the sidenav */
862        scrollbar-width: none;
863    }
864
865    .masthead-secondary-menu-list{
866        list-style: none;
867        display: flex;
868        justify-content: center;
869        gap: 1rem;
870        margin: 0;
871        padding: 0;
872    }
873
874    .masthead-secondary-menu > div {
875        position: relative;
876        max-width: 1270px;
877        width: 100%;
878    }
879
880    .screenOpacityFilter {
881        position: fixed;
882        top: 0;
883        left: 0;
884        width: 100%;
885        height: 100%;
886        opacity: 0;
887        transition: 0.5s;
888        pointer-events: none; /* Allow clicks through when not engaged */
889        background: #000;
890        z-index: 999999999;
891    }
892    
893    .screenOpacityFilter.active {
894        opacity: 0.8;
895        pointer-events: auto; /* Block clicks when engaged */
896    }
897
898    .masthead-navigation-drawer {
899        font-size: 1.5rem;
900        font-weight: bold;
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902
903    .masthead-navigation-drawer li {
904        font-size: 1.2rem;
905        padding: 0.5rem 0;
906    }
907
908    .masthead-navigation-drawer li a {
909        color: white;
910        text-decoration: none;
911    }
912
913    .masthead-navigation-drawer .sub-menu {
914        padding-left: 2rem;
915    }
916
917    .masthead-account-links {
918        display: flex;
919        flex-direction: row;
920        align-items: center;
921        gap: 0.5rem;
922        font-size: 0.9rem;
923        font-weight: bold;
924        white-space: nowrap;
925    }
926    .masthead-account-links a {
927        color: white;
928        text-decoration: none;
929    }
930    .masthead-account-links a.subscribe {
931        background-color: #f7941d;
932        padding: 0.3rem 0.6rem;
933        border-radius: 4px;
934    }
935
936    /* NAVIGATION DRAWER STYLES */
937    .navigation-drawer-dropdown-toggle {
938        display: flex;
939        justify-content: space-between;
940    }
941
942    .navigation-drawer-has-children:hover > .navigation-drawer-sub-menu {
943        display: block;
944    }
945
946    .masthead-navigation-search-bar:-webkit-autofill {
947        -webkit-box-shadow: 0 0 0px 1000px #111 inset !important;
948        -webkit-text-fill-color: white !important;
949        background-color: #111 !important;
950        transition: background-color 5000s ease-in-out 0s;
951    }
952
953    /* TOPICS BAR STYLES */
954    .dropdown-toggle {
955        display: flex;
956    }
957
958    .topics-bar-sub-menu {
959        position: absolute;
960        visibility: hidden;
961        opacity: 0;
962        min-width: 200px;
963        padding: 1rem !important;
964        background-color: white;
965        box-shadow: 0 4px 5px -2px rgba(0, 0, 0, 0.28);
966        transition: opacity 0.3s ease, visibility 0.3s ease;
967    }
968
969    .topics-bar-has-children:hover > .topics-bar-sub-menu {
970        opacity: 100%;
971        visibility: visible;
972    }
973
974    @media screen and (max-width: 1200px) {
975        .masthead-secondary-menu {
976            display: none !important;
977        }
978    }
979</style>
980
981<div class="print-screen-logo" style="display: none;">
982    <img data-perfmatters-preload src="https://hillsboronewstimes.c
982om/wp-content/themes/2024-hillsboronewstimes-child/media/img/brand/logo-white-hillsboronewstimes.png" alt="Hillsboro News Times" style="max-width: clamp(150px, 15vw, 220px);object-fit: contain;" fetchpriority="high">
983</div>
984
985<div id="masthead-container" class="sticky-masthead-container">
986    <div style="background-color: #30333a; padding: 20px;">
987        <div class="masthead" style="max-width:1270px; margin: 0 auto; display: flex; justify-content: space-between; align-items: center;">
988            <div style="display: flex; align-items: center;gap:0.5rem;">
989                <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 640" style="width:25px;cursor:pointer;" onclick="openMastheadNavigationMenu();"><!--!Font Awesome Free v7.0.0 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2025 Fonticons, Inc.--><path fill="#ffffff" d="M96 160C96 142.3 110.3 128 128 128L512 128C529.7 128 544 142.3 544 160C544 177.7 529.7 192 512 192L128 192C110.3 192 96 177.7 96 160zM96 320C96 302.3 110.3 288 128 288L512 288C529.7 288 544 302.3 544 320C544 337.7 529.7 352 512 352L128 352C110.3 352 96 337.7 96 320zM544 480C544 497.7 529.7 512 512 512L128 512C110.3 512 96 497.7 96 480C96 462.3 110.3 448 128 448L512 448C529.7 448 544 462.3 544 480z"/></svg>
990                <a href="https://hillsboronewstimes.com" style="flex:1;"><img src="https://hillsboronewstimes.com/wp-content/themes/2024-hillsboronewstimes-child/media/img/brand/logo-white-hillsboronewstimes.png" alt="Hillsboro News Times" style="max-height:clamp(20px, 5vw, 30px);width:auto;padding-right:2rem;"/></a>            </div>
991            <div class="masthead-account-links">
992                <span id="login_link"></span>
993<span id="subscribe_button"><a href="/subscriptions/" class="subscribe">Subscribe</a></span>
994            </div>
995                    </div>
996    </div>
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1175              <h2 class="headline">OPINION: Child savings accounts are an investment in Oregon</h2>
1176
1177              <p class="pubStamp">Published 10:00 am Thursday, September 24, 2026</p>
1178
1179                            <div class="byline">
1180                                  <p class="author">
1181                    <strong>By Joth Ricci and Elizabeth Steiner</strong>
1182                                      </p>
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1198<script nitro-exclude data-wpfc-render='false' data-cfasync='false' data-no-optimize='1' data-no-defer='1' data-no-minify='1' data-trinity-mount-date='2026-09-25 03:53:33' id='trinity_tts_wp_config'>var TRINITY_TTS_WP_CONFIG = {"cleanText":"OPINION: Child savings accounts are an investment in Oregon.\u23f8\u2587This is the time of year when, across Oregon, young adults are taking big steps toward a bright future as they settle in at college or into career training. Yet for many young people, their journeys lean into the headwinds of America\u2019s affordability crisis.\u23f8\u2587The Oregon Treasury\u2019s 2026 Financial Wellness Scorecard shows that six in 10 families with children find it hard to make ends meet each month. They\u2019re struggling to save for education and retirement. Oregon is losing residents in their prime working years as a result.\u23f8\u2587The financial strains facing young adults and families hurt all Oregonians. Oregon can\u2019t grow if families flee these financial hardships. One innovative solution is to offer child savings accounts. These accounts would start every child born in Oregon with a significant initial deposit from diverse sources, which would grow through family contributions, qualified matches and interest accrual to give young people a savings boost toward their educational and career dreams.\u23f8\u2587By creating an Oregon child savings account program, we can enable Oregonians to achieve their dreams and keep more families in our state.\u23f8\u2587Giving newborns a savings nest egg that offers a head start in life has proven social and economic benefits. In California, Maine, Nebraska, Oklahoma, Pennsylvania, New York City, San Francisco and elsewhere, governments and nonprofits have funded savings accounts for newborns.\u23f8\u2587Research shows that children with as little as $1-$499 in savings are three times more likely to attend and graduate from college than their peers and to save money as adults. Mothers experience better mental health, and children show improved emotional-social development.\u23f8\u2587The federal government took a similar step when Congress created Trump accounts (or 530A accounts under the tax code). On July 4, the federal government began to deposit $1,000 in the accounts of children born in 2025 and 2026 whose parents signed up for this new savings plan. Recipients will be able to withdraw these funds at age 18.\u23f8\u2587Trump accounts are a step toward establishing early childhood wealth-building programs at the national level. Still, Trump accounts have major shortcomings. Unlike a college savings account (like Oregon\u2019s 529 Embark accounts), withdrawals are taxed when a young adult taps into the funds (unless they\u2019re rolled over into another savings vehicle). Taxes must be paid on the account\u2019s earnings. The accounts are not universal.\u23f8\u2587Families must go online to open one and the $1,000 initial contribution from the federal government is currently limited to children born between 2025-2028. Trump account balances could also make a young adult ineligible for income- and asset-tested benefits such as food stamps or Oregon Health Plan coverage.\u23f8\u2587In Oregon, we can do better for our families and our state. We\u2019re talking to community partners, philanthropies, lawmakers and experts in the field about launching a child savings account program here that would address many of the gaps and shortcomings in Trump accounts. We hope to lay the foundation for child savings accounts that would deliver:\u23f8\u2587\u2022 Universal eligibility and access through accounts that are automatically opened at birth for every Oregon newborn.\u23f8\u2587\u2022 A substantial initial deposit for every child, with an ongoing match for families whose incomes are less than 300% of the federal poverty level.\u23f8\u2587\u2022 Savings whose earnings would not be taxed and balances that would not be taxed upon withdrawal.\u23f8\u2587\u2022 Funds that would not affect eligibility for government benefits.\u23f8\u2587As a business leader and as Oregon\u2019s Treasurer, we both care about our state\u2019s future. We want Oregon families to thrive. But Oregon is at a crossroads. Our aging population, high housing costs, and the fierce interstate competition for new residents and businesses have put Oregon\u2019s long-term prosperity in question.\u23f8\u2587Child 
1198savings accounts would do more than bolster the prospects for Oregon\u2019s future parents, workers, business owners, and leaders. They would make Oregon more attractive for families, which would boost and sustain a more dynamic economy throughout the state.\u23f8\u2587Joth Ricci has served many business and community organizations in Oregon over the last 25 years.  His current roles include the executive chair of Burgerville and chair of the Children\u2019s Institute.  He is also past chair of the Oregon Business Council. Elizabeth Steiner is the Oregon state treasurer.","headlineText":"OPINION: Child savings accounts are an investment in Oregon","articleText":"This is the time of year when, across Oregon, young adults are taking big steps toward a bright future as they settle in at college or into career training. Yet for many young people, their journeys lean into the headwinds of America\u2019s affordability crisis.\u23f8\u2587The Oregon Treasury\u2019s 2026 Financial Wellness Scorecard shows that six in 10 families with children find it hard to make ends meet each month. They\u2019re struggling to save for education and retirement. Oregon is losing residents in their prime working years as a result.\u23f8\u2587The financial strains facing young adults and families hurt all Oregonians. Oregon can\u2019t grow if families flee these financial hardships. One innovative solution is to offer child savings accounts. These accounts would start every child born in Oregon with a significant initial deposit from diverse sources, which would grow through family contributions, qualified matches and interest accrual to give young people a savings boost toward their educational and career dreams.\u23f8\u2587By creating an Oregon child savings account program, we can enable Oregonians to achieve their dreams and keep more families in our state.\u23f8\u2587Giving newborns a savings nest egg that offers a head start in life has proven social and economic benefits. In California, Maine, Nebraska, Oklahoma, Pennsylvania, New York City, San Francisco and elsewhere, governments and nonprofits have funded savings accounts for newborns.\u23f8\u2587Research shows that children with as little as $1-$499 in savings are three times more likely to attend and graduate from college than their peers and to save money as adults. Mothers experience better mental health, and children show improved emotional-social development.\u23f8\u2587The federal government took a similar step when Congress created Trump accounts (or 530A accounts under the tax code). On July 4, the federal government began to deposit $1,000 in the accounts of children born in 2025 and 2026 whose parents signed up for this new savings plan. Recipients will be able to withdraw these funds at age 18.\u23f8\u2587Trump accounts are a step toward establishing early childhood wealth-building programs at the national level. Still, Trump accounts have major shortcomings. Unlike a college savings account (like Oregon\u2019s 529 Embark accounts), withdrawals are taxed when a young adult taps into the funds (unless they\u2019re rolled over into another savings vehicle). Taxes must be paid on the account\u2019s earnings. The accounts are not universal.\u23f8\u2587Families must go online to open one and the $1,000 initial contribution from the federal government is currently limited to children born between 2025-2028. Trump account balances could also make a young adult ineligible for income- and asset-tested benefits such as food stamps or Oregon Health Plan coverage.\u23f8\u2587In Oregon, we can do better for our families and our state. We\u2019re talking to community partners, philanthropies, lawmakers and experts in the field about launching a child savings account program here that would address many of the gaps and shortcomings in Trump accounts. We hope to lay the foundation for child savings accounts that would deliver:\u23f8\u2587\u2022 Universal eligibility and access through accounts that are automatically opened at birth for every Oregon newborn.\u23f8\u2587\u2022 A substantial initial deposit for every child, with an ongoing match for families whose incomes are less than 300% of the federal poverty level.\u23f8\u2587\u2022 Savings whose earnings would not be taxed and balances that would not be taxed upon 
1198withdrawal.\u23f8\u2587\u2022 Funds that would not affect eligibility for government benefits.\u23f8\u2587As a business leader and as Oregon\u2019s Treasurer, we both care about our state\u2019s future. We want Oregon families to thrive. But Oregon is at a crossroads. Our aging population, high housing costs, and the fierce interstate competition for new residents and businesses have put Oregon\u2019s long-term prosperity in question.\u23f8\u2587Child savings accounts would do more than bolster the prospects for Oregon\u2019s future parents, workers, business owners, and leaders. They would make Oregon more attractive for families, which would boost and sustain a more dynamic economy throughout the state.\u23f8\u2587Joth Ricci has served many business and community organizations in Oregon over the last 25 years.  His current roles include the executive chair of Burgerville and chair of the Children\u2019s Institute.  He is also past chair of the Oregon Business Council. Elizabeth Steiner is the Oregon state treasurer.","metadata":{"author":"none"},"pluginVersion":"5.27.1"};</script>
1198<div class='trinityAudioPlaceholder' data-trinity-mount-date='2026-09-25 03:53:33'>
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1200                          <strong style='font-weight: 400'>Getting your <a href='//trinityaudio.ai' style='color: #4b4a4a; text-decoration: none; font-weight: 700;'>Trinity Audio</a> player ready...</strong>
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1205        </table><p>This is the time of year when, across Oregon, young adults are taking big steps toward a bright future as they settle in at college or into career training. Yet for many young people, their journeys lean into the headwinds of America&rsquo;s affordability crisis.</p>
1206<p>The Oregon Treasury&rsquo;s 2026 Financial Wellness Scorecard shows that six in 10 families with children find it hard to make ends meet each month. They&rsquo;re struggling to save for education and retirement. Oregon is losing residents in their prime working years as a result.</p>
1207<p>The financial strains facing young adults and families hurt all Oregonians. Oregon can&rsquo;t grow if families flee these financial hardships. One innovative solution is to offer child savings accounts. These accounts would start every child born in Oregon with a significant initial deposit from diverse sources, which would grow through family contributions, qualified matches and interest accrual to give young people a savings boost toward their educational and career dreams.</p>
1208<div class="ad mobile-ad-contain count18"><!-- med-rect-300x250-1 -->
1209<div
1210	class="opscoad-med-rect-300x250-1-INSTORY"
1211	data-unit="web/hillsboronewstimes.com/med-rect-300x250-1/news">
1212</div></div><div style="margin: 1rem 0 2rem 0;"><div class="marfeel-inline-recommender-first"></div></div><p>By creating an Oregon child savings account program, we can enable Oregonians to achieve their dreams and keep more families in our state.</p>
1213<p>Giving newborns a savings nest egg that offers a head start in life has proven social and economic benefits. In California, Maine, Nebraska, Oklahoma, Pennsylvania, New York City, San Francisco and elsewhere, governments and nonprofits have funded savings accounts for newborns.</p>
1214<p>Research shows that children with as little as $1-$499 in savings are three times more likely to attend and graduate from college than their peers and to save money as adults. Mothers experience better mental health, and children show improved emotional-social development.</p>
1215<div class="instory_widget" style="list-style:none;"></div><div class="ad mobile-ad-contain"><!-- med-rect-300x250-2 -->
1216<div
1217	class="opscoad-med-rect-300x250-2-INSTORY"
1218	data-unit="web/hillsboronewstimes.com/med-rect-300x250-2/news">
1219</div></div><div class="instory_widget"></div><div class="ad mobile-ad-contain"><!-- REMOVED AD --></div><p>The federal government took a similar step when Congress created Trump accounts (or 530A accounts under the tax code). On July 4, the federal government began to deposit $1,000 in the accounts of children born in 2025 and 2026 whose parents signed up for this new savings plan. Recipients will be able to withdraw these funds at age 18.</p>
1220<p>Trump accounts are a step toward establishing early childhood wealth-building programs at the national level. Still, Trump accounts have major shortcomings. Unlike a college savings account (like Oregon&rsquo;s 529 Embark accounts), withdrawals are taxed when a young adult taps into the funds (unless they&rsquo;re rolled over into another savings vehicle). Taxes must be paid on the account&rsquo;s earnings. The accounts are not universal.</p>
1221<p>Families must go online to open one and the $1,000 initial contribution from the federal government is currently limited to children born between 2025-2028. Trump account balances could also make a young adult ineligible for income- and asset-tested benefits such as food stamps or Oregon Health Plan coverage.</p>
1222<div id="cedato-unit"></div><div class="ad mobile-ad-contain"><!-- med-rect-300x250-3 -->
1223<div
1224	class="opscoad-med-rect-300x250-3-INSTORY"
1225	data-unit="web/hillsboronewstimes.com/med-rect-300x250-3/news">
1226</div></div><div style="margin: 1rem 0 2rem 0;"><div class="marfeel-inline-recommender-second"></div></div><p>In Oregon, we can do better for our families and our state. We&rsquo;re talking to community partners, philanthropies, lawmakers and experts in the field about launching a child savings account program here that would address many of the gaps and shortcomings in Trump accounts. We hope to lay the foundation for child savings accounts that would deliver:</p>
1227<p>&bull; Universal eligibility and access through accounts that are automatically opened at birth for every Oregon newborn.</p>
1228<p>&bull; A substantial initial deposit for every child, with an ongoing match for families whose incomes are less than 300% of the federal poverty level.</p>
1229<p>&bull; Savings whose earnings would not be taxed and balances that would not be taxed upon withdrawal.</p>
1230<p>&bull; Funds that would not affect eligibility for government benefits.</p>
1231<p>As a business leader and as Oregon&rsquo;s Treasurer, we both care about our state&rsquo;s future. We want Oregon families to thrive. But Oregon is at a crossroads. Our aging population, high housing costs, and the fierce interstate competition for new residents and businesses have put Oregon&rsquo;s long-term prosperity in question.</p>
1232<p>Child savings accounts would do more than bolster the prospects for Oregon&rsquo;s future parents, workers, business owners, and leaders. They would make Oregon more attractive for families, which would boost and sustain a more dynamic economy throughout the state.</p>
1233<hr style="text-align: left; margin-left: 0px; background-color: #000000; width: 100%; height: 1px; border: 0px; margin-top: 5px; margin-bottom: 5px; overflow: hidden;">
1234<p><em>Joth Ricci has served many business and community organizations in Oregon over the last 25 years.  His current roles include the executive chair of Burgerville and chair of the Children&rsquo;s Institute.  He is also past chair of the Oregon Business Council. Elizabeth Steiner is the Oregon state treasurer.</em></p>
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1389<li><a class="wp-block-latest-posts__post-title" href="https://hillsboronewstimes.com/2026/09/24/hops-welcome-award-winning-band-chicago-for-new-venues-first-concert/">Hops to welcome Chicago for new venue&#8217;s 1st concert</a></li>
1390<li><a class="wp-block-latest-posts__post-title" href="https://hillsboronewstimes.com/2026/09/24/week-4-preview-oregon-state-vs-utep/">Week 4 Preview: Oregon State vs. UTEP</a></li>
1391<li><a class="wp-block-latest-posts__post-title" href="https://hillsboronewstimes.com/2026/09/24/oregon-students-grasp-of-key-subjects-slowly-grows-but-still-below-pre-pandemic-levels/">Oregon students’ grasp of key subjects slowly grows, but still below pre-pandemic levels</a></li>
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1446                    <img src="https://hillsboronewstimes.com/wp-content/themes/2024-hillsboronewstimes-child/media/img/brand/logo-white-hillsboronewstimes.png" alt="Hillsboro News Times" />
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1458        <div class="footer-menu">
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1465<li id="menu-item-72" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-72"><a href="https://hillsboronewstimes.com/category/obituaries/">Obituaries</a></li>
1466<li id="menu-item-73" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-73"><a href="https://hillsboronewstimes.com/category/opinion/">Opinion</a></li>
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1487
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1496
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