Sober Wealth
Your Money Deserves a Fresh Start Too
Practical financial guides for people in recovery — rebuilding credit, budgeting in sober living, navigating insurance, and building long-term wealth after addiction.
What We Cover
Credit Rebuilding
Step-by-step guides for rebuilding credit from scratch — secured cards, authorized user strategies, and score monitoring.
Sober Living Budgets
Realistic budget templates for sober living, early recovery, and transitioning to independent housing.
Insurance Navigation
How to access Medicaid, ACA plans, and employer insurance for ongoing treatment and mental health support.
Wealth Building
Long-term financial planning for people in recovery — emergency funds, retirement accounts, and investing basics.
Latest Articles
Rebuild Credit After Recovery: Step by Step
Step-by-step credit rebuilding guide for people in recovery from addiction. Secured cards, score monitoring, and realist...
Read more → BudgetingSober Living Budget Template for Recovery
Free monthly budget template designed for sober living. Covers housing, treatment costs, recovery expenses, and building...
Read more → InsuranceHealth Insurance During Addiction Recovery
Guide to health insurance during addiction recovery. Covers Medicaid, ACA marketplace, employer plans, and minimizing ou...
Read more → PlanningFirst-Year Financial Checklist for People in Recovery
Month-by-month financial checklist for your first year of sobriety. Covers budgeting, credit, insurance, debt, and build...
Read more → Debt ManagementThe Debt Snowball Method for People in Recovery
How to use the debt snowball method during addiction recovery. Adapted for low income, irregular payments, and the emoti...
Read more →Frequently Asked Questions
How do I start rebuilding credit after treatment?
Start with a secured credit card ($200-500 deposit), set up one small recurring charge (like a streaming subscription), and pay it in full every month. After 6 months of on-time payments, your score will start climbing. Avoid applying for multiple cards at once.
How much should a sober living budget allocate for housing?
Sober living costs vary by city: $500-$800/month in mid-tier markets, $1,200-$2,000 in major metros. Try to keep housing under 40% of take-home pay. Many sober living homes include utilities and food, which simplifies budgeting.
Can I get health insurance during recovery?
Yes — Medicaid expansion covers treatment in 40 states. If you're employed, your employer plan must cover substance use treatment (Mental Health Parity Act). ACA marketplace plans also cover it. Open enrollment or a qualifying life event lets you sign up anytime.
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