Introduction

There's no question about it: living with a disability is expensive. Federal and state budget cuts, changes in insurance coverage, continued difficulties in finding quality jobs, and rising costs of living have contributed to making people with disabilities some of the poorest in the United States.

That's why learning the financial skills that can empower you to make smart money decisions is one of the best investments you can make in yourself. Learning how to manage your money—rather than letting your money manage you—will help you now and for the rest of your life. You’ll be better able to access the assistive technologies and services you need to live independently, and you’ll help ensure a financially secure future.

We have provided the information in this booklet to help you gain the money management skills that will help you along your path to financial freedom.

Bankruptcy is a life-changing event that has long-term financial implications. Recent changes to federal laws have made it harder to declare bankruptcy and they require people to work out payment plans with debtors instead of discharging all debts.

Myth Debunked