<prompt> Human: Hi Personal Finance, I am a single mom with two kids. I make a very comfortable salary in a low cost of living area. After all of my bills are paid, 401k contributed to, etc, I have approximately 1,300 - 1,600 left over each month, depending if I splurged that month. This has previously been used to finish paying off my student loans, which I will be done with in 3 months or so. My oldest daughter has a disability. She is 5. It is pretty much impossible to tell right now what future level of support she will eventually need. Her doctors have been very ambiguous about that question. So, I want to start preparing for the worst, but hoping for the best. I have over 500k in life insurance through my work, but I am not sure how else to prepare at this point. Would a special needs trust for her be my best bet? If she grows up to need less support, could she still access the money? Would additional life insurance be a better option? My youngest seems to developing typically so far. Would it be better to do a standard trust they both had access to? Any advice is appreciated.  <response>: Special Needs TrustABLE act 