President Donald Trump has promised to provide an estimated $465,000 in retirement to millions of Americans without a workplace retirement plan. The plan involves a 25-year-old investor investing roughly $165 a month through the planned TrumpIRA.gov platform, with help from a federal government match, and a 6% average annual return over 40 years. However, financial planners argue that this falls short of “rich’s” in retirement. The executive order addresses a serious issue in the American retirement system, with roughly 56 million private-sector workers lacking access to an employer-sponsored retirement plan, according to research published in 2025 by the Pew Charitable Trusts. The program will provide federal matching contributions of up to $1,000 per year for the lowest-income savers, single filers earning $20,500 or less, or married couples earning $41,000 or less.