☕ DrinkCoffeeAndProfit
Smart money moves before breakfast
Inspiration Quote for the Day
“Show me the incentive and I will show you the outcome.”
Charlie Munger
The Morning Ritual
Your Grandchild Already Has an Investment Account. It Is Probably Empty.
About 70 million American children now have an investment account with their name on it. Roughly 60 million of those were opened by the Treasury on October 1, automatically. If you have a grandchild under 18, one of them is theirs.
The account is real. Whether it holds anything is a separate question. The IRS chief said in early October that up to 25 million could be funded by mid October. That leaves tens of millions sitting at zero, waiting on one form.
In One Sip
► About 70 million Trump Accounts now exist, and roughly 60 million were created automatically on October 1
► The $1,000 federal seed goes only to children born between January 1, 2025 and December 31, 2028
► Automatic enrollment does not release that seed. A parent or guardian has to claim the account first
► Family and an employer can add up to $5,000 a year combined, with up to $2,500 of it from the employer
► At 18 the account becomes a traditional IRA, so withdrawals are taxed as ordinary income
While we are on the subject of what a thousand dollars actually buys, here is this morning’s partner message.
· · · Partner Message · · ·
Same 11-ounce bag of coffee, priced at both ends. Almost every company in this business owns one end or the other. Green Coffee Company owns nearly the whole middle, and it publishes the math.
Picked cherry $2.03. Wet mill $2.63. Dry mill $3.23. Roasted by a partner $4.41. Distributed $6.30. Packaged as Juan Valdez $8.40. On a Target shelf $13.99.
Behind those numbers: 45 farms in Colombia, more than 10,000 acres, over 10 million trees, the largest milling capacity in the country, and a harvest projected at 5.1 million pounds this year against 2.3 million last. Coffee in more than 3,000 stores across 21 states. Revenue from $1 million in 2021 to $26 million in 2025.
Most of it still sells at the green coffee stage, and that is the point. The ladder above is available to climb, not already climbed.
$1.15 a share. $1,000.50 minimum, roughly 870 shares, no accreditation required. Private and illiquid, no secondary market, transfers need board approval, and the whole position can go to zero.
See the offering and the full numbers
Rights apply to retail and institutional sales in the U.S. and Canada (non-cafe business) and are governed by a 10-year agreement to manufacture and distribute the iconic Juan Valdez® brand in the U.S. and Canada. Juan Valdez®, Procafecol S.A., the National Coffee Federation of Colombia, and any of their respective affiliates (collectively, the “Juan Valdez Parties”) are not sponsors, issuers, co-issuers, promoters, guarantors, underwriters, placement agents, or participants in any manner in this investment offering. The Juan Valdez Parties have not reviewed, approved, authorized, endorsed, recommended, or verified this offering, any related offering materials, or any statements made herein, and do not express any view or opinion regarding the merits, risks, or suitability of this investment. Any reference to the “Juan Valdez®” brand or related trademarks is made solely for the limited purpose of describing an existing commercial agreement relating to the manufacture, marketing, and sale of certain coffee products. Such agreement does not extend to, and expressly excludes, any securities offering, fundraising activity, investment program, or capital-raising transaction. Investors should not rely on the existence of any trademark license, brand association, or commercial agreement with the Juan Valdez Parties as an indicator of financial performance, investment quality, creditworthiness, risk mitigation, or likelihood of success of the issuer or this offering. The continuation of any commercial agreement is subject to contractual terms and conditions and may be modified or terminated, and no assurance is given that any such relationship will continue for any period of time. No Juan Valdez Party assumes any responsibility or liability for the accuracy, completeness, or adequacy of the information contained in this offering, nor for any investment decision made by any investor.
Paid affiliate advertisement. Green Coffee Company is offering securities under Regulation A. An offering statement has been filed with and qualified by the SEC; qualification means only that the company may sell the securities described in it. Review the offering circular before investing. The shares are private, unlisted and illiquid, there is no secondary market, transfers are subject to board approval, and you may lose your entire investment. Revenue growth and past performance do not predict future results. Non-accredited investors may invest no more than 10% of the greater of annual income or net worth.
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Why It Matters for Your Money
Claiming is free. The seed is free. For a child born inside that window, the Treasury deposits $1,000 once a parent claims the account and files the election.
Leave that $1,000 alone until the child turns 18. At 7% a year it grows to roughly $3,380. Your family put in nothing to get it.
That part is easy. The next part is where people get hurt.
Say you add $5,000 a year for 18 years at the same 7%. You would contribute $90,000. The balance would land near $170,000, so about $80,000 of it is growth.
In a 529 spent on tuition, that $80,000 comes out with no federal tax. In a Trump Account it comes out as ordinary income. At a 12% rate that is roughly $9,600. At 22% it is roughly $17,600.
· · · Partner Message · · ·
It is about something that touches every dollar in your pocket, your savings account, and your retirement.
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The Wealth Angle
Headlines call it a head start for children. The tax code calls it a retirement account.
At 18 it converts to a traditional IRA. Your grandchild can withdraw for any reason after that. Before age 59 and a half, most withdrawals owe income tax plus a 10% penalty.
Paying for college waives the penalty. The income tax stays. That is the sentence most coverage leaves out.
My read: take the free money, then keep the goals apart. The seed costs your household nothing. Your own savings can still go where the tax treatment fits the purpose.
☕ Key Insight:
The account opened itself. The $1,000 did not. One claim in the app is the difference between an empty account and a funded one. That is the whole decision in front of your family this week.
One more from a partner before today’s move.
· · · Partner Message · · ·
Monetary systems come and go.
Excessive debt, inflationary pressures, and geopolitical shifts drive these resets.
It happened to the Classical Gold Standard. Currencies were fully backed by gold. Then massive debt financing for WWI broke the system.
It happened to the Bretton Woods System after WWII. Where the U.S. dollar was pegged to gold and other currencies pegged to the dollar.
Now it is happening to the current Jamaica Accords System that President Nixon put us on.
Who will benefit as the current system gets replaced?
Anyone holding gold. Central banks, sovereign nations, and major institutional investors are stockpiling as much as they can.
For example, central banks now hold more gold than US Treasuries. The very institutions that issue fiat are shifting away from them.
The problem is millions of retail investors are getting left behind. Because they do not know how to invest in gold. In answer to this issue, industry experts have released a Free Guide, The Golden Retirement Account, which reveals:
► The IRS-approved program to move retirement funds into gold without penalties.
► How the “Golden Retirement” account builds wealth and bolsters buying power.
Get your FREE Golden Retirement Account report now
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Coffee Break Move
Call your son or daughter today and ask one question. Have you claimed it yet? Only a parent or legal guardian can do this, through the official Trump Accounts app or trumpaccounts.gov.
If the child was born in 2025 or later, that $1,000 is sitting there. If the child was born between 2016 and 2024, a $250 grant from Michael and Susan Dell may apply. Income and ZIP code limits decide that one.
One warning before you start. Scam texts about these accounts were circulating before the program even launched. The Treasury will not send you a link. Open the app yourself.
The government opened the account. Opening the app is still your family’s move.

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