Build Your Savings and Your Career
ABLE Accounts
Trump Accounts
Secure YOUR Financial Future
Your Work. Your Wealth. Your Future.
You have the power to build a career that pays and a financial plan that works for you. Whether you want to maximize your earnings, open an ABLE account, or navigate your workplace benefits, you have the tools here to secure your financial future.
The Secure Your Financial Future Toolkit connects you directly to practical, easy‑to‑use financial resources that help you:
Set and Hit Your Goals: Build a clear roadmap for your career and your wallet.
Save and Invest Safely: Learn how to grow your wealth without risking essential benefits.
Maximize Your Earnings: Equip yourself with strategies to advance your career and increase your income.
Whether you’re starting a new job, taking on more hours, moving up in your role, or planning for retirement, this toolkit helps you make work pay, no matter where you are in your career journey.
Explore Employment Lifecycle Stages
Preparing for a Job
Starting a Job
Maintaining a Job
Changing or Losing a Job
Retiring from a Job
Tools for Employers, Workforce Leaders, and Service Providers
Below you will find tailored tools for employers, workforce system partners, and service providers, each designed to help you support the financial stability and career success of Americans with disabilities in your role.
Employers
To build a competitive business, you need to support and retain top talent. Offering high-quality benefits isn't just a perk: it’s how you empower your team to thrive. Use these strategies and tools to help your workers with disabilities protect their benefits, build wealth, and grow their careers with your company.
Achieving a Better Life Experience (ABLE) accounts are tax-advantaged savings and investment accounts that allow eligible American job seekers and workers with disabilities to earn and save for qualified disability-related expenses without jeopardizing needed government benefits. Learn more:
Spotlight on Achieving a Better Life Experience Accounts — The Social Security Administration provides complete information on ABLE accounts for Americans with disabilities, including eligibility criteria, ownership, distributions, and qualified disability expenses.
ABLE Accounts: Tax Benefit for People with Disabilities — The Internal Revenue Service (IRS) provides disabled Americans with detailed, trusted information and an array of resources about ABLE accounts.
Building Financial Independence: The ABLE Age Adjustment Act and Tools to Support Financial Empowerment — This webinar from the National Center on Leadership for the Employment and Economic Advancement of People with Disabilities (LEAD Center) discusses the ABLE Age Adjustment Act and introduces tools to support financial empowerment.
ABLE Today — This useful, informative site from the National Association of State Treasurers (NAST) tells Americans with disabilities what they need to know about ABLE accounts to invest in their long-term financial well-being.
Guide for Employees and Employers: Maximizing ABLE Accounts in the Workplace — NAST’s “ABLE Today” site provides practical guidance on ABLE accounts for employers and employees, including the use of direct deposit and employer contributions.
ABLE: State Programs — NAST’s “ABLE Today” site provides in-depth reviews and analyses of ABLE programs state-by-state.
ABLE National Resource Center — The ABLE National Resource Center is an independent collaborative that provides reliable information about ABLE accounts.
10 Things You Should Know... — 10 things you should know about ABLE from the ABLE National Resource Center.
Ask the Experts: Your ABLE Questions Answered — This webinar from the ABLE National Resource Center features ABLE subject matter experts.
Resources for Employers — The Consumer Financial Protection Bureau offers tools and tips to help employers support the financial well-being of their workforce.
EBSA Videos — The U.S. Department of Labor’s Employee Benefits Security Administration provides workers with clear, accessible videos explaining key retirement and health benefits topics, including COBRA (Consolidated Omnibus Budget Reconciliation Act) enrollment, Medicare coordination, employee ownership, protections under the No Surprises Act, and guidance on navigating job-based benefits.
Understanding the Benefits — This link from the SSA provides a clear introduction to Social Security retirement benefits to help Americans make informed retirement-planning decisions.
Anytime Is the Right Time to Save for Your Future — The SSA provides a straightforward explanation of Social Security retirement benefits and important tips for long-term saving.
American Workforce System
As a frontline counselor, program manager, or agency leader, you are the bridge to the American Dream. Your job isn't just to help people find a paycheck, it's to help them build a career and financial foundation. Use these practical, direct tools to coach job seekers, guide financial conversations, and help workers with disabilities maximize their earnings.
Achieving a Better Life Experience (ABLE) accounts are tax-advantaged savings and investment accounts that allow eligible American job seekers and workers with disabilities to earn and save for qualified disability-related expenses without jeopardizing needed government benefits. Learn more:
Spotlight on Achieving a Better Life Experience Accounts — The Social Security Administration provides complete information on ABLE accounts for Americans with disabilities, including eligibility criteria, ownership, distributions, and qualified disability expenses.
ABLE Accounts: Tax Benefit for People with Disabilities — The Internal Revenue Service (IRS) provides disabled Americans with detailed, trusted information and an array of resources about ABLE accounts.
Building Financial Independence: The ABLE Age Adjustment Act and Tools to Support Financial Empowerment — This webinar from the National Center on Leadership for the Employment and Economic Advancement of People with Disabilities (LEAD Center) discusses the ABLE Age Adjustment Act and introduces tools to support financial empowerment.
ABLE Today — This useful, informative site from the National Association of State Treasurers (NAST) tells Americans with disabilities what they need to know about ABLE accounts to invest in their long-term financial well-being.
Guide for Employees and Employers: Maximizing ABLE Accounts in the Workplace — NAST’s “ABLE Today” site provides practical guidance on ABLE accounts for employers and employees, including the use of direct deposit and employer contributions.
ABLE: State Programs — NAST’s “ABLE Today” site provides in-depth reviews and analyses of ABLE programs state-by-state.
ABLE National Resource Center — The ABLE National Resource Center is an independent collaborative that provides reliable information about ABLE accounts.
10 Things You Should Know... — 10 things you should know about ABLE from the ABLE National Resource Center.
Ask the Experts: Your ABLE Questions Answered — This webinar from the ABLE National Resource Center features ABLE subject matter experts.
Understand how to manage wages, savings, budgeting, borrowing, and other financial aspects of work and independent living.
Secure Your Financial Future: A Financial Toolkit for People with Disabilities — This toolkit from the National Center on Leadership for the Employment and Economic Advancement of People with Disabilities (LEAD Center) supports Americans with disabilities at every stage of their employment journey. It guides users to make informed financial decisions whether they are preparing for a job, maintaining employment, or planning for retirement.
Financial Toolkit: Frequently Asked Questions — This FAQ from the LEAD Center helps Americans understand Social Security Disability Insurance and Supplemental Security Income.
Aligning Employment and Financial Conversations in American Job Centers — The LEAD Center created this quick-reference guide to help American Job Center staff and partners discuss employment and financial goal setting with job seekers and workers with disabilities.
Workforce-Bank Partnerships — This online LEAD Center tool helps practitioners build and strengthen partnerships with local banks to support the employment and economic advancement of Americans with disabilities.
Disability and Financial Capability Strategies — Strategies from WorkforceGPS to help consumers with disabilities build savings, manage credit, and budget effectively to improve employment and financial outcomes.
Financial Literacy Education — Foundational materials from WorkforceGPS for youth programs to help young people build essential financial literacy and money management skills.
Financial Literacy Tools — Tools from WorkforceGPS that help Americans make sound financial decisions about earnings, savings, spending habits, and investment strategies.
Money Smart: A Financial Education Program — The Federal Deposit Insurance Company’s (FDIC) Consumer Resource Center (CRC) provides this free financial literacy curriculum for American consumers and entrepreneurs of all ages to build money management skills, strengthen resilience, and develop healthy banking relationships.
How Money Smart Are You? — The FDIC offers 14 interactive games and related resources that teach everyday financial concepts for learners of all ages.
Money Smart for Adults — This FDIC curriculum offers ready-to-use tools to help instructors teach adults practical financial skills.
Money Smart for Young Adults — The FDIC provides this curriculum for instructors teaching young people ages 12–20 how to manage money, build positive banking relationships, and avoid common financial mistakes.
Money Smart for Young People — The FDIC’s CRC offers age-appropriate financial curricula for pre-K-to-12 educators. Each curriculum helps instructors teach money management skills, healthy savings habits, and how banking works.
Organizing Reality Fairs — This toolkit from the FDIC helps educators, bankers, and community leaders create interactive financial simulations so young people can practice real‑world financial decision‑making, such as managing a bank account, obtaining loans, and navigating debt.
Promoting Financial Literacy at Your Program — Formal curricula from WorkforceGPS help young people build financial capability, make informed financial decisions, and plan for long-term financial security.
Building Skills, Building Futures: Supporting Literacy and Numeracy Skills to Improve TANF Employment Outcomes — This resource from the Temporary Assistance for Needy Families (TANF) Peer Technical Assistance Network helps TANF administrators and staff use TANF resources to build foundational literacy and numeracy skills that improve employment outcomes, promote long-term self-sufficiency, and reduce dependence on government benefits.
Tools and Resources to Use with the People You Serve — This one-stop shop for tools, worksheets, handouts, and training webinars from the CFPB covers topics such as auto loans, credit reports, housing, student loans, and more.
Youth financial education — These tools and resources from the Consumer Financial Protection Bureau support K–12 financial education, that help children and youth develop the building blocks of financial capability.
Financial Capability and Literacy — The U.S. Department of Health and Human Services provides resources on Youth.gov to help young people build their capacity, knowledge, and skills to manage financial resources and achieve financial well-being.
EconEdLink Resources — The Council for Economic Education offers this comprehensive collection of high-quality, K–12 economics and personal finance resources at EconEdLink, including lesson plans, videos, activities, assessments, and professional development tools to teach core economic concepts and financial literacy.
Consumer Protection Resources to Protect Against Scams, Fraud, and Identity Theft — These resources from WorkforceGPS help Americans recognize, avoid, and protect themselves against scams, fraud, and identity theft.
Consumer Protection: Job-Searching Strategies to Protect Against Scams, Fraud, and Identity Theft — This WorkforceGPS webinar teaches American job seekers how to identify and avoid employment-related scams and helps workforce programs integrate consumer protection practices into financial literacy education.
MyMoney.gov — The federal Financial Literacy and Education Commission created clear, trusted guidance to help Americans make informed decisions and build financial security at every stage of their lives.
Understanding the Benefits — This link from the SSA provides a clear introduction to Social Security retirement benefits to help Americans make informed retirement-planning decisions.
Anytime Is the Right Time to Save for Your Future — The SSA provides a straightforward explanation of Social Security retirement benefits and important tips for long-term saving.
Service Providers
You are on the front lines helping individuals with disabilities build their lives, careers, and futures. Don't just help them find a job: equip them to build wealth. Use these practical, action-oriented tools to guide real conversations about earning, saving, and investing so your clients can achieve true long-term, financial independence.
Achieving a Better Life Experience (ABLE) accounts are tax-advantaged savings and investment accounts that allow eligible American job seekers and workers with disabilities to earn and save for qualified disability-related expenses without jeopardizing needed government benefits. Learn more:
Spotlight on Achieving a Better Life Experience Accounts — The Social Security Administration provides complete information on ABLE accounts for Americans with disabilities, including eligibility criteria, ownership, distributions, and qualified disability expenses.
ABLE Accounts: Tax Benefit for People with Disabilities — The Internal Revenue Service (IRS) provides disabled Americans with detailed, trusted information and an array of resources about ABLE accounts.
Building Financial Independence: The ABLE Age Adjustment Act and Tools to Support Financial Empowerment — This webinar from the National Center on Leadership for the Employment and Economic Advancement of People with Disabilities (LEAD Center) discusses the ABLE Age Adjustment Act and introduces tools to support financial empowerment.
ABLE Today — This useful, informative site from the National Association of State Treasurers (NAST) tells Americans with disabilities what they need to know about ABLE accounts to invest in their long-term financial well-being.
Guide for Employees and Employers: Maximizing ABLE Accounts in the Workplace — NAST’s “ABLE Today” site provides practical guidance on ABLE accounts for employers and employees, including the use of direct deposit and employer contributions.
ABLE: State Programs — NAST’s “ABLE Today” site provides in-depth reviews and analyses of ABLE programs state-by-state.
ABLE National Resource Center — The ABLE National Resource Center is an independent collaborative that provides reliable information about ABLE accounts.
10 Things You Should Know... — 10 things you should know about ABLE from the ABLE National Resource Center.
Ask the Experts: Your ABLE Questions Answered — This webinar from the ABLE National Resource Center features ABLE subject matter experts.
Understand how to manage wages, savings, budgeting, borrowing, and other financial aspects of work and independent living.
Secure Your Financial Future: A Financial Toolkit for People with Disabilities — This toolkit from the National Center on Leadership for the Employment and Economic Advancement of People with Disabilities (LEAD Center) supports Americans with disabilities at every stage of their employment journey. It guides users to make informed financial decisions whether they are preparing for a job, maintaining employment, or planning for retirement.
Financial Toolkit: Frequently Asked Questions — This FAQ from the LEAD Center helps Americans understand Social Security Disability Insurance and Supplemental Security Income.
Aligning Employment and Financial Conversations in American Job Centers — The National Center on Leadership for the Employment and Economic Advancement of People with Disabilities (LEAD Center) created this quick reference guide to assist American Job Center staff and partners in discussing employment and financial goal setting with job seekers and workers with disabilities.
Workforce-Bank Partnerships — The National Center on Leadership for the Employment and Economic Advancement of People with Disabilities (LEAD Center) provides this online tool to help practitioners build and strengthen partnerships with local banks to support the employment and economic advancement of Americans with disabilities.
Disability and Financial Capability Strategies — Strategies from WorkforceGPS to help consumers with disabilities build savings, manage credit, and budget effectively to improve employment and financial outcomes.
Financial Literacy Education — Foundational materials from WorkforceGPS for youth programs to help young people build essential financial literacy and money management skills.
Financial Literacy Tools — Tools from WorkforceGPS that help Americans make sound financial decisions about earnings, savings, spending habits, and investment strategies.
Money Smart: A Financial Education Program — The Federal Deposit Insurance Company’s (FDIC) Consumer Resource Center (CRC) provides this free financial literacy curriculum for American consumers and entrepreneurs of all ages to build money management skills, strengthen resilience, and develop healthy banking relationships.
How Money Smart Are You? — The FDIC offers 14 interactive games and related resources that teach everyday financial concepts for learners of all ages.
Money Smart for Adults — This FDIC curriculum offers ready-to-use tools to help instructors teach adults practical financial skills.
Money Smart for Young Adults — The FDIC provides this curriculum for instructors teaching young people ages 12–20 how to manage money, build positive banking relationships, and avoid common financial mistakes.
Money Smart for Young People — The FDIC’s CRC offers age-appropriate financial curricula for pre-K-to-12 educators. Each curriculum helps instructors teach money management skills, healthy savings habits, and how banking works.
Your Money, Your Goals: Toolkit — These financial tools from the Consumer Financial Protection Bureau (CFPB) help Americans build confidence and support practitioners in conducting effective money conversations.
Your Money, Your Goals: Companion Guides — These companion guides from the CFPB support the “Your Money, Your Goals” toolkit by helping practitioners tailor money conversation to the unique needs of specific populations.
Organizing Reality Fairs — This toolkit from the Federal Deposit Insurance Company assists educators, bankers, and community leaders create interactive financial simulations where youth practice real‑world financial decision‑making, such as managing a bank account, obtaining loans, and navigating debt.
Promoting Financial Literacy at Your Program — Formal curricula from WorkforceGPS helps youth and young adults build financial capability, make informed financial decisions, and plan for long term financial security.
Tools and Resources to Use with the People You Serve — This one-stop shop for tools, worksheets, handouts, and training webinars from the CFPB covers topics such as auto loans, credit reports, housing, student loans, and more.
Youth financial education — These tools and resources from the Consumer Financial Protection Bureau support K–12 financial education, that help children and youth develop the building blocks of financial capability.
Financial Capability and Literacy — The U.S. Department of Health and Human Services provides resources on Youth.gov to help young people build their capacity, knowledge, and skills to manage financial resources and achieve financial well-being.
EconEdLink Resources — The Council for Economic Education offers this comprehensive collection of high-quality, K–12 economics and personal finance resources at EconEdLink, including lesson plans, videos, activities, assessments, and professional development tools to teach core economic concepts and financial literacy.
Consumer Protection Resources to Protect Against Scams, Fraud, and Identity Theft — These resources from WorkforceGPS help Americans recognize, avoid, and protect themselves against scams, fraud, and identity theft.
Consumer Protection: Job-Searching Strategies to Protect Against Scams, Fraud, and Identity Theft — This WorkforceGPS webinar teaches American job seekers how to identify and avoid employment-related scams and helps workforce programs integrate consumer protection practices into financial literacy education.
MyMoney.gov — The federal Financial Literacy and Education Commission created clear, trusted guidance to help Americans make informed decisions and build financial security at every stage of their lives.
Understanding the Benefits — This link from the SSA provides a clear introduction to Social Security retirement benefits to help Americans make informed retirement-planning decisions.
Anytime Is the Right Time to Save for Your Future — The SSA provides a straightforward explanation of Social Security retirement benefits and important tips for long-term saving.