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I have a child that is severely disabled, and will probably never be able to support herself.

SSI is a joke, and the incoming Cruelty Administration is likely to make it worse.

I’d like to think that I can leave something to her, so she won’t wind up spending the remainder of her life on the streets. I’ve seen that happen, frequently.

Aren’t you forgoing some other wants? Such that it’s not been satisified to the maximum feasible extent.

A complete list would be long and get into private things I don't talk about

This bug can be mitigated via inflation.

That makes it worse as I have to budget enough money for the worst [best?] case life.