Abstract: A combination user protector and baby safety towel is provided including a long front fabric member, a short back fabric member, two long sleeve fabric members, a belt fabric member, complementary belt-attachment members, and complementary sleeve-securing button and loop members. The front and sleeve fabric members are a soft, absorbent fabric. Each sleeve is positionable. The loop engages the button to retract the sleeve for washing the baby. The sleeve is held extended for drying the baby by insertion of the user's thumb into the loop. The combination user protector and baby safety towel allows the user to draw a wet baby out of a bath and immediately and conveniently wrap and dry the baby in the extended sleeve fabric members while cuddling the baby on the front fabric member. Thus safety and convenience are increased while the user's clothing is protected from wetness.