Most foster youth only discover years later that Social Security benefits meant for them were taken by counties to “reimburse” foster care costs, leaving them to age out with no savings, no housing deposit, and no money for school or a car. With up to one third experiencing homelessness by their mid 20s and earning far less than their peers, every dollar matters. This post explains how the so called “orphan tax” works, why the complexity argument is specious, and how existing Social Security and ABLE style accounts could be used to protect foster youths’ benefits instead of padding agency budgets.