Tax-free savings up to $100K for disabled dependents without losing SSI/Medicaid eligibility.
IRC §529A ABLE accounts let people with disabilities (onset before age 26, expanding to 46 in 2026) save $19K/yr (2025) — up to $100K without losing SSI, unlimited without losing Medicaid. Grows tax-free, withdrawals tax-free for qualified disability expenses. Working ABLE beneficiaries can add earnings (up to poverty line). Change program annually.
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Kids under 18 in sole prop/parent-partnership: no FICA, no FUTA — up to $14,600 tax-free earned income.
Match your working teen's Roth contributions — $7K/yr compounding tax-free for 60 years.
Grandparent-owned 529s no longer hurt FAFSA aid — superfund + let it grow.
Gift FLP interests to kids at 25–35% valuation discount — turbo-charge estate reduction.
Pick FSA ($5K pre-tax) OR credit — whichever saves more at your bracket.
Legitimate spouse employment doubles retirement contributions + adds §105 HRA option.
Employ your college-age kid in the C-corp → $5,250/yr tax-free tuition assistance.
Trust with withdrawal rights → annual $19K gifts qualify for exclusion, grow tax-sheltered.