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A Letter to President-Elect Trump from a Special Needs Mom

Dear Sir,

Congratulations. I have a tradition where I send the President-Elect a Christmas card. I started this tradition in 2008, and now I do this again. I sent the card to your wife, because I believe there would be a greater chance of it being read.

My hope is that you will think about my family and other American special needs families during your administration. I am an accountant helping those with their medical expenses. For several years, I have spoken with many families, and their biggest need is the same: how to afford the necessary treatments to help their children.

The overwhelming cost of healthcare is one of the biggest causes of bankruptcy in the United States. About ten years ago, I thought our family would become part of that statistic. However, with my taxation experience and knowledge about health insurance and Health Savings Accounts, I used it as a guide to help deduct many medical expenses.

From that experience, I began consulting families who desperately needed to reduce healthcare costs. I collected their stories and created a book on how to reduce those costs using a unique system I created.


The following are action items to change the Tax Code and cafeteria plan rules to benefit special needs families:

  • Reduce the threshold for medical expense deductions from 10% to 5% (or less) of AGI
  • Reverse President Obama’s decision and reverse the Flexible Spending Account threshold from $2,500 per year back to an unlimited amount. Many special needs families I’ve spoken to have suffered over this change, because they used the FSA for their child’s special school expenses
  • Encourage and spread the word about ABLE Accounts
  • Allow “unauthorized” treatments such as laetrile (Vitamin B17 treatment) and medical cannabis to be deductible as a medical expense and be reimbursable under a cafeteria plan
  • Allow reimbursement of OTC drugs and medical items under a cafeteria plan


This is not an exhaustive list. These bullet points come from the recommendations of many special needs families I have helped over the years. I believe these items will help countless American families and make healthcare more affordable.

My parents taught me to work smart and work hard, and my father instilled in me a never-ending thirst for knowledge. This drives me to search for the answers to questions no one can currently answer about my son’s autism diagnosis and possible treatment options. It encourages me to work hard for my son and others like him. It inspires me to write this at 4am and send this to an early riser like yourself.


Merry Christmas,


Yolanda Ruiz-Leon Baker


The Smart Guide Series is Taking a Break

Courtesy of DreamsTimeHello Everyone,

Tax season is coming up, and the Smart Guide Series will be have a new edition available in early January. It will provide the latest tax and healthcare updates to provide you the best route to medical savings!

Keep in touch – we’re welcome to any suggestions or comments you may have.


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 “After Obamacare: Recommendations on Finding the Best Health Insurance for your Family”, a guidebook available when the Affordable Care Act is overturned or revised (publication pending as of December 2016).

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

Service Animal Article

Gina Rothfels - Dreamstime Stock Photos

Hello Everyone,

Now available on this website – my article on how the costs of adopting and taking care of service animals can be tax deductible.


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!


Working on the 2015 Edition of The Smart Mom’s Guide

BYB logo 2 Hello everyone!

I’m hard at work getting the research done for the 2015 edition of The Smart Mom’s Guide to Cutting Healthcare Costs.

Do you have a story about how you were able to reduce your medical expenses? Did you use my techniques from my previous book to reduce your costs? I would be interested in interviewing you for a possible spot in the book.

As always, I’m available for a free initial consultation to see how I can help you with reducing healthcare costs.

Thanks for your support.

– Yolanda Baker

Book Reading in Austin This Saturday

The Smart Mom's Guide to Cutting Healthcare Costs Hello, everyone! I am having a reading for my just-published book, The Smart Mom’s Guide to Cutting  Healthcare Costs this Saturday, August 24, from 3-5pm. The reading will take place at Blue Awning Books, 6009 Burnet Rd, Austin, Texas 78757. Bring friends and family, enjoy refreshments, and listen to two other local authors read from their books. Copies will be available at the bookstore to purchase.