A billionaire tech executive has just made one of the most strategic philanthropic gifts in American history.

Michael Dell, founder and CEO of Dell Technologies, and his wife Susan are giving more than six billion dollars to seed saving accounts for 25 million American children 10 and younger. Each child will receive 250 dollars.

This won’t lift families out of poverty. But it will offer 25 million children a concrete reason to master financial literacy—and their own stake in America’s economic system

Generosity is always noble. But too often, giving on the left relies on top down programs that breed dependency. The Dells have taken the opposite approach: a bottom up investment that nurtures ownership, hope, and a sense of belonging.

This is philanthropy with a heart— and a brain. America owes the Dells a true debt of gratitude.