Unlocking Financial Independence with ABLE Accounts

ABLE Accounts

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Picture a place where financial freedom is not just a dream for those with disabilities, but a reality. Welcome to the world of ABLE Accounts, a financial ally aimed at bringing security and empowerment. With the gift tax exclusion now at $17,000 for 2023, ABLE Accounts are easier to use. They ensure you get the support you need without risking your SSI benefits1.

These accounts are tailored to meet your unique needs. They allow you to manage your funds wisely. Dive in to discover how ABLE Accounts can help you.

Key Takeaways

  • Grasp how ABLE Accounts pave the way for financial independence and security for individuals with disabilities.
  • Discover the benefits of the increased $17,000 contribution limit in ABLE Accounts for 20231.
  • Learn the importance of keeping your ABLE Account balance below $100,000 to safeguard your SSI benefits1.
  • Understand how ABLE Accounts align with Medicaid, potentially recovering expenses and providing peace of mind1.
  • Explore the 49 robust ABLE programs nationwide, designed to offer diverse financial solutions1.
  • Acknowledge the eligibility criteria for ABLE Accounts ensuring your financial journey is aligned with your life’s timeline1.

Introduction to ABLE Accounts and Their Impact on Independence

Imagine a financial tool designed just for those with special needs. That’s what ABLE accounts are all about. They were created by the Achieving a Better Life Experience (ABLE) Act of 20142. These accounts help save money without losing important benefits from Medicaid and SSI. Let’s explore how they help users feel more independent and secure.

Tax-Advantaged Savings: ABLE account funds enjoy special tax breaks under the 529A section of the Internal Revenue Code2. This setup helps save money efficiently. The growth on these savings is tax-free if it’s spent on approved disability expenses2, like education, health care, and personal support.

  1. If you want more independence for yourself or loved ones, these accounts are a step towards financial freedom2.
  2. An ABLE account allows individuals with disabilities to save for the future worry-free2.

Being in charge of one’s finances is crucial, especially for the over eight million using Social Security or SSI2. This fact highlights ABLE accounts’ role in boosting financial freedom for individuals with disabilities. And it’s not just about tax perks.

ABLE Account Benefits Impact on SSI and Medicaid
Use for a broad array of expenses No effect on eligibility at balances 1
Investment options for growth Invested funds following SSA guidelines2
Beneficiary maintains ownership Payees ensure proper titling and records2

ABLE accounts offer more than just tax benefits. They support true independence. Recipients can pay for everyday needs or invest in their future. These funds are essential for anyone starting before age 262.

When aiming for financial growth, consider how ABLE funds can improve your life. It’s a journey to independence, protecting key benefits along the way2.

The Basics of ABLE Accounts: A Lifeline for Individuals with Disabilities

Life throws challenges our way, especially for the 4.6% of U.S. workers with disabilities3. Picture a tool crafted to help ease their financial worries. This tool is not only filled with tax perks but also offers empowerment. Enter ABLE accounts, shining help amid the financial challenges faced by people with disabilities.

Eligibility Criteria for Opening an ABLE Account

Wondering if you can open an ABLE account? If your disability appeared before you turned 26, you’re in luck. Thanks to new laws, now, if you’re under 46, you might qualify, reaching up to 14 million more people3. Those with SSI or SSDI benefits are instantly eligible, avoiding complicated paperwork for an ABLE account.

ABLE Accounts and Tax-Advantaged Savings

No need to worry about taxes eating into your savings. In ABLE accounts, your money grows tax-free. If you make $28,000 or less, you might get up to $2,000 matched by the federal government3. This is great news for those with disabilities and lower incomes.

The Mechanics of ABLE Accounts: Contributions and Tax Benefits

While you can’t put in endless amounts, ABLE accounts still let you save a lot. Up to $550,000 can be saved, depending on where you live4. This money will help cover costs related to disabilities and keep tax collectors at bay.

Let’s look at real-life examples. Since 2016, people in Pennsylvania and Californians through CalABLE have been building their savings with these accounts. They benefit from great customer service and easy online management4.

Feature Detail Impact on Individuals with Disabilities
Asset Growth Tax-Free Income Maximizes Savings for Disability-Related Expenses
Contribution Match Up to $2,000 for Eligible individuals3 Enhanced Enrollment Opportunities
State Offerings Flexible options like CalABLE and the ASPN4 Personalized Savings Solutions
Annual Contribution Limits Up to $17,0004 Expansive Savings Potential Without Benefit Disruption
Operational Ease Online Management and Customer Support4 Smooth and User-Friendly Account Control

A Deeper Look into ABLE Accounts

Look at these numbers and imagine the possibilities. ABLE accounts hold over $1.25 billion thanks to 137,000 users4. This system not only supports people with disabilities financially but also enriches their lives with hope and opportunity.

Understanding Qualified Disability Expenses

Let’s talk about Qualified Disability Expenses. These costs are crucial for those living with disabilities. Imagine these expenses as tools in a financial kit provided by an ABLE account. They’re here to meet various needs, helping you live a full life.

Defining “Qualified Disability Expense”

A Qualified Disability Expense is not just for daily living. It boosts health, freedom, and life quality. You can spend on education to sharpen your mind, healthcare to stay healthy, and support services for extra help when needed.

Categories of Allowable Expenses Under ABLE Accounts

Wondering what fits as a QDE? It covers many areas. This includes education for mental growth, healthcare for wellbeing, support services for a helping hand, and tech that makes things possible. All under one big umbrella.

Every dollar in ABLE accounts builds a safety net for these important expenses. With ABLE accounts active in 46 states and the District of Columbia, over 137,000 accounts have been created. They protect more than $1.25 billion for disability-related expenses5. In Pennsylvania alone, over 7,500 have joined, saving over $100 million in five years5. The upcoming ABLE Age Adjustment Act will bring 6 million more Americans into the fold. This includes veterans, aiming for greater independence5.

In conclusion, knowing about Qualified Disability Expenses helps maintain your health and freedom. ABLE accounts stand out as a vital support in living positively with disabilities.

Maximizing Benefits: ABLE Accounts, SSI, and Medicaid

You’re on your way to financial security. ABLE accounts help you stay within SSI and Medicaid’s limits. They’re a smart choice for managing your money and keeping your benefits.

How ABLE Accounts Affect SSI Benefits

Think about saving money without risking your SSI benefits. That’s the benefit of ABLE accounts. They were made for those disabled before turning 26. But, big news: soon, people disabled before 46 might also use ABLE accounts6. Just remember, having more than $100,000 in your ABLE account might stop your SSI benefits until your balance drops7.

Navigating Asset Limits with ABLE Account Balances

No need to worry about asset limits thanks to ABLE accounts. If your balance is under $100,000, it won’t risk your SSI, letting you save more67. For Medicaid, you’re safe too. Adding money to your ABLE account won’t affect your health care support6.

Asset Type Impact on Medicaid Impact on SSI ABLE Account’s Role
ABLE Account Savings No impact for healthcare eligibility Not considered a resource until over $100,000 Preserves benefits, supports financial autonomy
SSI Benefits May be impacted by other assets Core income for many individuals Enables asset growth without benefits interruption
Medicaid Coverage Essential for healthcare and support services N/A Safeguards eligibility regardless of ABLE account

Putting money in your ABLE account helps with Medicaid and SSI. It also gives you financial freedom. States offer ABLE programs with tools for independence6. Your ABLE account is a key ally in managing benefits and achieving financial success. It makes sense to use it wisely.

ABLE Accounts and Lifetime Cost Management for Disability Care

Looking at the lifetime costs for disability care can seem scary. Yet, ABLE savings plans are here to help with financial planning. Think of these plans as solid financial allies. They keep your money safe while ensuring the well-being of someone with a disability. The Stephen Beck Jr. Achieving a Better Life Experience Act of 2014 saw a need. It aimed to help those with disabilities have more than the meager $2,000 limit that public benefits allow, which hardly supports financial growth8.

“With ABLE accounts, qualifying individuals and their families launch tax-advantaged financial bunkers, impervious to the effects on benefits like SSI, Medicaid, and more.”

Picture being able to set aside money for key expenses without hurting your benefits8. Eligible folks, or their legal reps, can start an ABLE account and not worry about asset limits98. Whether it’s your Aunt Edna or a Power of Attorney managing the funds, they can still contribute to your NJ ABLE account while you keep control9.

You can choose investment options for new contributions like a master strategist—twice a year9. Plus, you’re not tied to one option; you can explore any state’s ABLE program for the best fit8. With 49 different ABLE plans available by January 2024, you’re set with plenty of choices8.

So, here’s to handling those lifetime costs without financial worry. ABLE accounts build a solid foundation for the financial demands of disability care. They act as safe havens for your money, ready when you need it. Take up the ABLE banner, you financial champions, and prepare for what lies ahead.

Key Features Benefits
Single ABLE Account Eligibility Focus resources and maximizes plan benefits
Annual and Total Contribution Limits Maintains public benefits eligibility, allowing for substantial savings
Tax-Advantaged Status Eases the financial burden with investment growth opportunities
Eligibility Expansion Includes more individuals with disabilities due to ABLE Age Adjustment Act
Control Over Funds Gives beneficiaries and families the power to manage their financial future

ABLE Savings Plans and Financial Management

ABLE Accounts: A Tool for Financial Security and Quality of Life

Have you ever thought about financial security and quality of life? Maybe ABLE accounts didn’t come to mind first. Yet, these accounts are key for building a stable future, rain or shine.

So, what makes ABLEnow a go-to for safety in finances? Its design is both simple and advanced, perfect for managing financial ups and downs due to disabilities.

ABLEnow: Simplifying the Path to Financial Security

Imagine a financial ally that gets your every need, without any hassle. That’s what ABLEnow is like. It’s a flexible plan, tailored to your unique life, like a versatile tool in your pocket.

Here’s something impressive: ABLE accounts aren’t just numbers. They show how much people trust these accounts for gaining financial freedom10. Even if the average savings appear small, the national potential in ABLE accounts is huge10.

Benefits of an ABLE Account for Long-Term Savings

ABLE accounts offer more than just a place to stash cash. They back you up with expenses like communication tools or vacations that boost your well-being11. Not to mention, they help pay for essentials, supporting your financial independence11.

But beware using the funds for unapproved things. That could bring tax troubles and a 10% penalty. Keep track of your spending to stay clear of IRS issues11.

As you plan your financial journey, let ABLE accounts guide you. They lead to a life where savings and better living are more than dreams. They’re achievable goals.

Investing in the Future: ABLE Accounts and Education

ABLE accounts and education

Investing in the future often means thinking about education expenses. For those with disabilities, ABLE accounts are a key tool. They are not just for now but for future learning too. Born from the Achieving a Better Life Experience Act of 201412, these accounts let you put away up to $17,000 each year12 for education.

Think of managing education costs not as a burden but as a journey with a reliable partner like the Illinois ABLE plan. It leads the National ABLE Alliance. This plan helps over one-fourth of America’s eligible ABLE citizens13. Your money plants seeds that grow into chances for lifelong learning and independence.

The Checking Account Option is safe, with FDIC insurance up to $250,00013. It’s as solid as it is comforting.

Choosing an ABLE account for education requires smart thinking. Look into whether your state’s ABLE plan has extra tax perks13. While steering through investment risks and tax details, these funds offer a strong support for education costs for those with disabilities. So, these accounts are more about investing wisely than just saving money1312.

The key question about ABLE accounts is if the beneficiary was under 26 when they became disabled or blind12. If the answer is yes, this investment path is open. The Saver’s Credit adds even more value12. It shows the ABLE Act’s aim to support education and growth, much like the 529 plans do12.

The jump in ABLE account sign-ups to over 25,000 with $120 million invested14 matches the urgency to lower the 24.4% poverty rate among the disabled14. By leaning into education with ABLE accounts, we’re tackling this challenge head-on. The overwhelming support from both the House and the Senate for the ABLE Act signals a strong belief in its value. So, when picking the right ABLE account, envision a future full of learning and freedom. ABLE accounts aim to unlock this future.

State Programs and Flexibility: Choosing the Right ABLE Account

Picture a colorful world of ABLE accounts, each offering its unique support. You can pick from 49 ABLE plans across the country, mixing flexibility to fit your needs15. By January 2023, these plans are more popular, with $1.5 billion saved in 151,164 accounts. This is a big jump from the year before15.

With so many state options, you get to choose wisely. Perhaps you want an ABLE account that can hold up to $550,000. Or maybe one with a $235,000 limit suits you better15. The task of finding the best plan becomes easier as you explore. It’s about picking a plan that meets your financial goals and strategies15.

In Idaho, North Dakota, South Dakota, and Wisconsin, locals look outside their states for the best ABLE plan15. You won’t lose out on contribution limits by searching; you can still add up to $17,000 a year, or even more in some cases15.

Choosing ABLE plans

When picking an ABLE plan, it’s not just about the maximum amount you can save. You’ll also consider tax breaks and fees. In Arizona, for example, you can lower your taxable income with your contributions16. But each state has different fees, like Alabama’s yearly $35 or Arizona’s $27 annually16.

State Annual Contribution Limit Account Limit Annual Maintenance Fee
Alabama $14,580 – $18,21016 $235,000 – $550,00015 $3516
Alaska $14,580 – $18,21016 $235,000 – $550,00015 $33 – $5816
Arizona $2,000 – $4,000 tax deductible16 $235,000 – $550,00015 $2716

Choosing the right ABLE plan is like a dance of careful choices and state offerings. Move to the rhythm of knowledge and pair with a state that matches your financial needs. Some programs roll out the welcome mat for everyone, while others prefer locals. Your choice isn’t just about today; it shapes your financial future.

Navigating ABLE Accounts and Supplemental Security Income

Want to keep on the right side of SSI rules? Paying close attention to your ABLE account is key. We’ll guide you through smart saving strategies. Let’s dodge the risk of losing your SSI benefits together.

Preventing SSI Disqualification with Strategic Account Management

Stay on top by closely watching your ABLE accounts. Crafting a smart savings strategy is like navigating through a mist. You need to be careful and aware to avoid losing your SSI benefits. Keep an eye on your accounts to protect your SSI support.

Understanding the $100,000 ABLE Account Threshold

Adding too much to your ABLE account is like overfilling a sand bucket, and the castle falls apart. Going over $100,000 means your SSI benefits might disappear. Watch your account closely. Make sure it doesn’t exceed the important mark of $100,000.

ABLE Account Balance Impact on SSI Benefits Strategic Actions
Under $100,000 No Impact – SSI benefits continue Regularly monitor your balance
Over $100,000 Possible suspension of SSI benefits Plan withdrawals and contributions accordingly
Just below $100,000 Safe zone – maintaining eligibility Analyze future expenses and adjust savings

How to Open an ABLE Account: A Step-by-Step Guide

You’ve decided to take charge of your financial future. Opening an ABLE account is your next move. Here’s an easy guide to help you navigate the application process and check if you’re eligible.

To start, make sure you qualify. If you get Supplemental Security Income (SSI) or you have a disability certificate, you’re on the right track17. Your disability must have started before you turned 26. Think of it like a club with an age limit18. Soon, you’ll need to show proof of this eligibility.

Now, let’s talk about how much money you can put into your ABLE account. You can currently save up to $17,000 a year. By 2024, this increases to $18,00017. If you work, you might be able to save even more, depending on your income or if it’s below the federal poverty level for a single person in your state1719.

Ready to start? You’ll need:

  • ID and proof of your disability
  • A bank account to link to your ABLE account
  • Details of the person benefiting from the account, if it’s not you

Choosing where to open your account is next. Many states offer their own ABLE programs and you don’t need to be a resident to join18. Look at the investment options each state offers to find the right fit for you18.

Once you’re organized, visit the chosen ABLE plan’s website. Look for the “Open Account” button. Fill out online forms carefully, upload needed documents, and double-check everything. Then, submit your application online.

Opening an ABLE account means more financial independence. It’s not just about saving money. It’s investing in a better quality of life18. These accounts let you manage and spend money on things needed due to your disability18.

Starting your ABLE account journey is easy. Follow these steps to apply online without stress. If you have questions, customer service will help. You’re more than ready for this!

Combining ABLE Accounts and 529 Plans: A Strategic Approach

Exploring strategic savings means knowing how ABLE accounts work with 529 education plans. This combo broadens learning opportunities and improves life for those with special needs. They offer ways to pay for education and life-enhancing tools through ABLE accounts.

The Synergy between Education Savings and Special Needs Planning

Mixing 529 plans’ learning opportunities with ABLE accounts’ flexible spending is powerful. This combination lets you afford a wide range of costs. It aims to remove barriers to education and life improvements.

Tax Benefits and Rollovers: Optimizing Your Savings Plan

Switching money from a 529 plan to an ABLE account can save you from a 10% tax on some withdrawals20. This smart move avoids penalties like the 6% tax on too much saved in IRAs and ABLE accounts20. Plus, you get to enjoy tax advantages and avoid losing money to penalties from retirement plans20.

As you look into smart savings, using ABLE accounts and 529 education plans is comforting. These tools offer more than just financial aid. They pave the way for a future full of success, flexibility, and strong finances.

Special Needs Trusts vs. ABLE Accounts: Analyzing Your Options

Looking into financial planning for a loved one with disabilities? No worries, your choices have grown. It’s crucial to compare Special Needs Trusts (SNTs) with ABLE accounts. Diving into the differences can save you money and stress. Let’s explore these options closely.

Before 201421, SNTs were the main way to save money without facing taxes. Then, everything changed with the 2014 Achieving a Better Life Experience (ABLE) Act21. This act introduced ABLE accounts. These allow an impressive $17,000 yearly contribution in 202321, which is a significant amount. With these accounts, you can save over $300,0002122. Plus, up to $100,000 of it won’t impact SSI benefits2122.

Considering an ABLE account? You’ll avoid the lawyer fees that come with SNTs2122. ABLE fund growth is entirely tax-free2122. However, it’s key to remember that the state may claim these funds after you pass away, for Medicaid costs21. SNTs come in two types, holding either the beneficiary’s or someone else’s assets21, giving you more options financially.

Accessing SNT funds can be tricky, like performing a magic trick. But ABLE accounts offer easy access, handing you the money via a debit card21. They can pay for many things that SNTs can’t21. Yet, using ABLE funds for housing or food might affect your SSI benefits. So, those costs are better paid from SNTs first21.

ABLE Accounts Special Needs Trusts
Contribution Limits $17,000/year21 No limit21
Age of Onset Before age 2622 Up to age 6522
Setup Costs Attorney not required21 Legal assistance often needed21
Tax Benefits Tax-free21 Tax rate of 39% for trusts earning over $9k/year22
Accessible Funds Debit card for easy access21 More difficult to access21
Permitted Expenses Broader range allowed21 Quality-of-life improvements not covered by gov programs22

So, that’s the scoop on Special Needs Trusts versus ABLE accounts. Think of it like choosing clothes: both can work well, but one might fit your needs better. With ABLE and SNT, you’re not stuck with one choice. You can pick what works best for your situation. Here’s to making wise financial decisions!

ABLE Accounts and Financial Independence: Real-Life Success Stories

Picture a world where money limits don’t shape your success. ABLE accounts make this possible. They’ve turned heads, with Prudential and Wells Fargo spotlighting their role through the #ABLEtoSave Month. Their work shines a light on how these accounts change lives23.

August brought the power of transformation with weekly events. Each event told a unique part of the ABLE accounts story. Real-life heroes, from users to experts, shared how they gained financial freedom23.

Imagine your story being celebrated next. With a 70% savings rate among earners of $220,000 yearly, the draw of financial safety is clear24. Experts suggest saving for three to six months for emergencies. ABLE accounts equip you with tools and knowledge for this journey. From eligibility to learning about Qualified Disability Expenses (QDEs), they guide you towards financial independence23.

The ABLE National Resource Center took to social media. They used Facebook, Twitter, and TikTok to spread their message. They aim to teach financial independence and confidence to people with disabilities23. Stories of real people using ABLE accounts to gain freedom fuel this movement.

Reality check – 44% of Americans aren’t ready for a $1,000 emergency24. ABLE accounts come into play here. They help people save for the near and distant future. Some even look towards retiring early, building a strong financial base24.

ABLE accounts stand for more than just financial solutions. They symbolize the fight and spirit of their users. The goal? To boost awareness and inspire those with disabilities to achieve financial success23. Dream big – your financial success story with ABLE accounts is waiting to be told.

Conclusion

Reflecting on ABLE accounts, it’s clear they play a crucial role for people with disabilities. Since December 19, 2014, the ABLE Act has been a game-changer. It lets individuals save money without risking their federal help1725. ABLE accounts act as a financial ally. They allow savings up to $100,000 without affecting SSI benefits17. This empowers long-term planning.

Contributing to an ABLE account is a strong step towards financial goals17. In 2023, you can add up to $17,000, and $18,000 in 2024. For those working, this means you can save even more. Your hard work allows you to grow your savings without limits17.

As this discussion on ABLE accounts ends, remember they offer more than financial safety. They symbolize freedom and the power to follow your dreams, no matter the obstacles25. ABLE accounts guide you toward a hopeful future. They give you the freedom to make choices and live a life full of opportunities25.

FAQ

What are ABLE accounts and how do they promote financial independence for individuals with disabilities?

ABLE accounts let people with disabilities save money without losing important public benefits. These accounts are a helping hand, letting you save while keeping benefits like SSI and Medicaid. It’s a smart way to manage money and stay benefit-eligible.

Who is eligible to open an ABLE account?

Got a disability that started before age 26? You qualify. If you’re getting SSI or SSDI, you’re all set. Not on SSI or SSDI but meet the age rule? Just fill out some documents to join the ABLE club.

How do ABLE accounts help with the high costs associated with disabilities?

ABLE accounts help pay for many needs. Education, healthcare, and more. They make sure you can still get benefits. It’s like a lifetime discount for what you need.

Can I still receive SSI benefits with an ABLE account?

Yes, you can. ABLE accounts work well with SSI. Just keep your ABLE account below 0,000. This way, you won’t have problems with SSI.

What happens if my ABLE account goes over the 0,000 threshold?

Going over 0,000 in your ABLE account can pause your SSI cash benefits. But, Medicaid will still be there for you. Watching your balance is key to avoiding issues.

What can I pay for with ABLE account funds?

Use ABLE money for many disability-related expenses. Things like education, house costs, healthcare, or a service animal. If it helps with your disability, ABLE likely supports it.

How do I open an ABLE account?

Opening an ABLE account is easy online. Have your info, disability proof for before age 26, and a bank account ready. Then, you’re set to start saving!

Are there any reasons I’d choose a Special Needs Trust over an ABLE account?

Special Needs Trusts suit big savings, but they are costly. ABLE accounts are budget-friendly and simple. They let you manage your money directly.

Do ABLE accounts allow for investing?

Yes, you can invest with ABLE accounts. They offer savings, stocks, and bonds. Think about your goals and choose the right investment path for you.

Is an ABLE account right for me if I already have a 529 education savings plan?

Combine a 529 plan with an ABLE account for broad financial support. 529s are great for school costs. ABLE accounts pay for more, like housing and therapy. It’s a powerful money move.

Source Links

  1. https://www.savingforcollege.com/529-able-accounts
  2. https://www.ssa.gov/payee/able_accounts.htm
  3. https://www.cnbc.com/2023/07/26/new-bill-aims-to-help-low-income-people-with-disabilities-save-money.html
  4. https://www.forbes.com/sites/stevenaquino/2023/04/06/for-assistive-technologies-and-more-able-accounts-are-a-lifeline-to-autonomy-for-disabled-people/
  5. https://blog.ssa.gov/able-programs-prepare-for-expanded-eligibility/
  6. https://www.truelinkfinancial.com/blog/the-benefits-of-an-able-account
  7. https://www.rudmanwinchell.com/wp-content/uploads/2020/04/ABLE-ACCOUNTS-SNTS-.pdf
  8. https://www.ablenrc.org/what-is-able/what-are-able-acounts/
  9. https://www.nj.gov/humanservices/dds/programs/njable
  10. https://nast.org/able/
  11. https://www.investopedia.com/able-account-eligible-expenses-5217840
  12. https://turbotax.intuit.com/tax-tips/health-care/what-are-able-accounts-tax-benefits-explained/L38O9Aq3C
  13. https://www.illinoistreasurer.gov/Individuals/ABLE
  14. https://www.taxnotes.com/lr/resolve/tax-notes-federal/facilitating-financial-freedom-able-accounts-across-america/7j29m
  15. https://www.investopedia.com/state-able-accounts-5217828
  16. https://www.ablenrc.org/compare-states/
  17. https://www.ssa.gov/ssi/spotlights/spot-able.html
  18. https://www.truelinkfinancial.com/blog/how-to-access-and-use-funds-in-able-account
  19. https://www.mefa.org/save/able-account
  20. https://www.irs.gov/pub/irs-pdf/f5329.pdf
  21. https://www.investopedia.com/special-needs-trust-vs-able-account-5217834
  22. https://www.merceradvisors.com/insights/family-finance/able-accounts-vs-special-needs-trusts/
  23. https://www.ablenrc.org/abletosave-2022/
  24. https://www.cnbc.com/2024/04/16/how-self-made-millionaire-who-retired-at-35-defines-financial-security.html
  25. https://www.ablenrc.org/frequently-asked-questions/

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