Saving, like every other good habit, is best learned at the beginning of life. The best tool for teaching that essential skill is a program of Child Accounts, a savings vehicle to put all children on the path to financial security. Child Accounts won't solve poverty today. Instead, they are a long-term investment in children and their financial futures. For families, it offers children, regardless of income, an opportunity fund to launch them into adulthood. From birth, every child would have an investment account initially funded through a modest government contribution. Contributions from family and friends and matching contributions for low-income children, along with investment earnings, would help the account grow. Child Accounts would also provide a hands-on opportunity for teaching financial literacy. Delivered through the private sector, Child Accounts would be simple, with limited, basic investment choices and no withdrawals for 18 years. There are around 4 million new births in the United States each year. If enacted at the federal level, a Child Accounts program would require a $2.1 billion public investment for the first year, and $26.6 billion over 10 years ($20.7 billion endowment; $5.9 billion match). After the first three years, private contributions and investment income would exceed the government's initial contribution. Based on modest family contributions and investment growth, account accumulations are projected to reach $100 billion over ten years.