RSS Feed

Where is the Dave Ramsey for Special Needs Families?


© Ed Isaacs | Dreamstime Stock Photos

This article is not a personal bashing of Dave Ramsey or his methods, or of any celebrity financial advisor. I am simply relaying what has been said to me dozens of times from special needs families who are seeking to reduce their medical expenses.

Several months ago I had an initial consultation with a woman trying to find ways to reduce her son’s autism therapy expenses. During our talk, I mentioned Dave Ramsey, but I could tell she wasn’t interested in talking about him.

“I can do Dave’s “envelope” system, but I don’t have the money or time for anything else. Everyday I handle my son’s health insurance claim denials. I work two jobs and my husband works long hours so we can pay for some of our son’s medical expenses. We use our credit cards to pay for some of my son’s therapies because the insurer takes forever to reimburse those expenses. I can’t think about the future, and that’s why I don’t listen to him anymore.”

Dave Ramsey’s mantra is to avoid debt at all costs. But a dad once told me, “My insurer denied the treatment I felt my autistic son needed. I racked up so much credit card debt that I had to sell my home. But I’d rather go bankrupt helping my son than to have money and always ask, ‘What if?’”

Dave’s advice about emergency funds, debt “snowballs”, funding for college, or paying off the home mortgage is not an option for the families and individuals I consult with. This is not just about him; I’ve received similar complaints about other celebrity financial gurus.

Special needs families are thrown off not only by their child’s (or the parent’s) medical diagnosis but the costs of care. When planning for children, most couples are not expecting their kids to be chronically ill. It’s not a budgetary item when people get married. It’s not part of the equation.

So what can special needs families do to get out of medical debt?

My husband and I did what a lot of parents do when their child receives a diagnosis such as autism: we searched for the appropriate therapies and/or biomedical treatments and used them. Unfortunately, we were unprepared for denied claims from our insurer. Our debt began to mount. From this painful time emerged my method of reducing medical expenses.

We are not debt-free yet, but I believe the technique I discovered to reduce our medical expenses has helped tremendously. We applied medical expense deductions to lower our tax liability, fought successfully to get denied insurance claims approved, and correctly applied cafeteria accounts to estimate our out of pocket medical expenses for the year. We have enough control over our debt to begin to apply some the recommendations Dave Ramsey talks about on his radio show.

I’m determined to guide and empower as many American families and individuals to control their healthcare expenses. Whether you are in debt due to chronic illness or a one-time medical event, I wish to be the bridge between drowning in medical debt and a financially independent lifestyle. Special needs families can “graduate” and begin to take Dave Ramsey’s advice.

Make Money Placing My Book on Your Website

BYB logo 2Hello, dearest readers:

  • Do you have a blog or website?
  • Are you a special needs parent, or work with the special needs community?
  • Would you be willing to promote my message of reducing medical expenses?

The guidebook, The Smart Family’s Guide to Cutting Healthcare Expenses, is now available.  I’m looking for affiliates to promote my products, and in return, I offer generous percentages of book revenues from sales coming from your blog or website. You would also receive my guidebooks and other products for free when promoting.

So if you answered yes to all the questions above, contact me at


Bonus Guidebook with Monthly Membership

black swan smallAre you a special needs parent or someone dealing with large medical bills? If you wish to delve deeper into medical savings, join “The Smart Family Club”, a monthly paid membership that includes

  • Tips on reducing medical costs
  • Newsletter with Q&A, exclusive articles, and other original content
  • A customized medical food database for tax deductions
  • Customized webinars on medical expense tax deductions during tax season
  • Year-round customized webinars on organizing tips for those with large healthcare costs

The monthly subscription is available for $20 per month. Enroll by clicking here.

BONUS PDF GUIDEBOOK: Monthly subscribers will receive “The Smart Family’s Guide to Medical Expense Tax Deductions”, a 34 page handbook describing how medical deductions can be used to help those with large healthcare costs.

Please note: If you have subscribed successfully, you will receive an email confirmation within 24 hours and the pdf guidebook. Please contact with any questions. Thank you.

The Smart Family’s Guide to Healthcare Savings Now Available

The Smart FamilyThe Smart Family’s Guide to Cutting Healthcare Costs is now available! This compact but fact-filled PDF guide will start you on the right path to reduce your medical expenses. You don’t have to be a special needs family to get the benefits of this book.  Americans who worry about their medical expenses will find it to be helpful too.

Order your copy here for $15 and receive a bonus guidebook, The Top 5 Medical Expense Tips Every Smart Family Needs.  This wallet sized document contains medical expense and budgeting tips to get you on the road to organizing and conquering your medical documents.

The wallet sized guide is only available through ordering The Smart Family’s Guide to Cutting Healthcare Costs.

Any questions? Feel free to email me at Thanks!

My article now available at SpecialMoms Magazine

specialmoms magazineHoo-ray!

My article, “Tax Season is Every Season for Special Needs Families”, is now available through SpecialMoms Parenting Magazine.  The magazine is free, so click here to subscribe and read my article.

My book on medical savings is almost done.  Please see the previous article in my feed below for details.  Thanks!


Fake Tax Tips Posters Available Soon

“Fake Tax Tip: Retail Therapy is NOT a Medical Expense”

The first guidebook in the “The Smart Guide Series” is almost ready for purchase and download via pdf. Details and pricing will be available soon.

I’m also creating “Fake Tax Tips” posters and pdf downloads as part of the release of the guidebooks. One of the “inspirational” posters is shown here.

That’s it! I’ve got to get back to work! Please feel free to email me at if you have any questions.


Photo: © Smithore | – Masked Shopping Girl Photo

Almost Done with the Book

end of grief pageHello everyone,

Things sure are busy here at home. The kids are now enjoying their winter break, and I’m busy finishing up the newest edition of “The Smart Mom’s Guide to Healthcare Savings”. My goal is to have this ready in early January, just in time for the tax season. (Hooray!)

The new edition contains the method I created to get back tens of thousands of dollars from my son’s autism therapy expenses. Everything I did is legal and should be accessible to use by most American families. My background in taxation and my years of experience working with my health insurer has helped me create a book that I feel can help anyone with large healthcare costs.

If you are a family looking for ways to reduce expenses, subscribe at the left hand column of this page. I’ll keep you up to date with free materials, webinars and seminars.

If you are a special needs provider, or if you are part of an organization that helps families with their expenses, please contact me at I will have free seminars and webinars that may help your clients become financially empowered.

Thank you, and Happy Holidays!

Yolanda Baker, “The Smart Mom” :)


Get every new post delivered to your Inbox.