Buy a stock or mutual fund. Hold it. The rise in value is increase in net worth that isn’t taxed until you sell it. When you sell it, depending on your tax bracket, you’ll pay capital gains rate of 0% - 20%. When your portfolio grows large enough, your investment income exceeds your W-2 income and your average tax rate drops. Passive income - no trust fund required.
But what do I know? I went to state school and got a B in Business Calculus.