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The American Dream Accounts Act establishes a federally managed savings account for every child born in the United States, with an initial $5,000 deposit invested in stock market index funds. Eligible individuals aged 17–25 who have earned a high school diploma or equivalent may withdraw their account balance in various forms, including lump sum, monthly payments, or direct rollover to a Roth IRA. The bill also provides a $10,000 bonus for those who serve at least 12 months in Peace Corps or AmeriCorps, establishes an Office of the American Dream within Social Security to manage the accounts, and directs the Department of Education to develop financial literacy curricula and grant programs for schools.
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