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.

About Sober Wealth

Sober Wealth is part of an independent network of content sites focused on financial education and practical strategies.

Practical financial guides for people in recovery — rebuilding credit, budgeting in sober living, navigating insurance, and building long-term wealth after addiction.

Every article uses real numbers and honest math. No hype — just the calculations you need to make smart decisions.

Partners

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