On the Money

Special needs families get new $100K savings tool

ABLE Accounts

When asked to name her biggest financial challenge, Randi Gillespie doesn't hesitate.

"I have three kids," said the 47-year-old who lives with her husband, Tom, and children in a Chicago suburb.

Between soccer, softball, field hockey and covering monthly expenses, saving for the future is difficult. It's especially important for this family, since middle child Maddy has Down syndrome, and will require extra financial help throughout adulthood.