Financial independence, made reachable.

What ReachABLE is.

Professor Michelle Yin founded ReachABLE to help people with disabilities reach financial independence. ReachABLE is a place where people can learn about finance, economics, and benefits, and get everything they need to build wealth in support of their education, career, family, and life goals.

Every tool on this site is free. Every course is free. Nothing you type is saved unless you tell us to save it. Built around the questions people actually ask, in plain 8th-grade language. If ReachABLE helps you, a five-dollar donation supports the platform and the team. Donations are optional. All tools stay free whether you donate or not.

What you can do here.

ReachABLE is growing into a full learning and planning platform for financial independence, not just an ABLE tool.

• Check your ABLE eligibility by voice or text, in five minutes.
• Open your ABLE account with guided pre-fill for your state portal.
• Learn about benefits. SSI, SSDI, Medicaid, HCBS, SNAP, LIHEAP, and how they interact with saving and working.
• Take free courses on personal finance, economics of disability programs, and the rules that govern your benefits.
• Get schooling and college counseling for students with disabilities and their families, including transition planning, aid, and disability-services navigation.
• Get personalized plans for wealth building, retirement, homeownership, and debt reduction, all designed so you keep the benefits you rely on.
• Support family goals through Special Needs Trust and 529 coordination.

Selected research.

ReachABLE tools are informed by Professor Yin's ongoing research on ABLE and disability financial inclusion. The research is separate from ReachABLE. Below is the research most directly relevant to ReachABLE. For the full portfolio (disability labor markets, minimum wage and health, AI and workforce, VR programs, and more), visit the lab.

One-page briefs.

Short briefs written for specific audiences. Each is one page and covers what that audience needs to know. Open to read online, or print for offline sharing.

ReachABLE is a mission that pays for itself.

Grant funding launches the platform and funds research. Corporate sponsors and state ABLE plans fund the free tier for adults with disabilities. Subscription and enterprise revenue funds ongoing operations. We are building a self-sustaining product company, not a grant-dependent program. The mission and the profit-and-loss point in the same direction.

Contact.