Money planning can get complicated fast when disability benefits are involved, so we brought in someone who truly understands how the system works. In this episode, we’re joined by Ashley Melero from The Arc of Texas for a clear, grounded conversation about ABLE accounts and Special Needs Trusts, and why knowing the difference between the two matters more than most people realize.

Ashley walks us through what ABLE accounts are, why they were created, and how they allow people with disabilities to save money without risking Medicaid or Social Security. We talk contribution limits, who can open and manage an account, how parents can use them for minors, and what happens as balances grow. She also explains what counts as a disability-related expense and why documentation is key.

From there, we shift into Special Needs Trusts and the common mistakes families make when planning for the future. Ashley explains the difference between third-party and self-settled trusts, why inheritances need to be handled carefully, and how pooled trusts can remove a lot of the stress that comes with managing funds and staying compliant with benefit rules.

We also cover the parts people often avoid talking about, including Medicaid payback provisions, how marriage and employment can affect benefits, and why small steps like adding transfer-on-death designations or updating a will can make a major difference down the line.

If you’ve ever felt stuck between wanting financial security and fearing the loss of benefits, this episode helps untangle that tension. It’s a straightforward conversation about planning ahead, protecting access to care, and making sure your money works for you instead of against you.

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