This publication was created for middle-income parents of children under the age of 18 who have disabilities. It is a simple, straightforward resource to help them manage their money, and plan for them and their children's financial future and overall well-being. The financial management techniques presented here can help parents, not just in times of crisis, but for the rest of their lives. This publication is designed to accomplish several things: (1) To be parents' starting point--to give them a broad outline of important issues they will deal with in caring for their children; (2) Provide them with basic knowledge of these issues; (3) Give parents tools to create their own action plan; and (4) Point them in the right direction to get more detailed information. Woven throughout this publication are possible answers to a nagging question parents probably wonder about, "Who will care for my child after I'm gone?" The answers are displayed in suggested actions to take so parents can, ultimately, do the four things that matter most: (1) Protect their ability to make wise decisions as they care for their children and family; (2) Create an environment of financial well-being for them and their family; (3) Ensure continuation of their children's important benefits and care for the rest of their lives; and (4) Through their own actions, demonstrate to their children how to be determined in accomplishing goals, and how to advocate for the best possible outcomes in all endeavors.