Sober Wealth Financial Recovery Starts Here — Rebuild Credit, Budget, and Build Wealth in Sobriety https://soberwealth.co/ 2026-04-16T00:00:00Z J.A. Watte https://jwatte.com Eleventy Rebuild Your Credit After Recovery: The Exact Steps Nobody Tells You https://soberwealth.co/articles/rebuild-credit-after-recovery/ 2026-04-16T00:00:00Z Step-by-step credit rebuilding guide for people in recovery from addiction. Secured cards, score monitoring, and realistic timelines from 0 to 700+. J.A. Watte The Sober Living Budget That Actually Works https://soberwealth.co/articles/sober-living-budget-template/ 2026-04-16T00:00:00Z Free monthly budget template designed for sober living. Covers housing, treatment costs, recovery expenses, and building savings in early sobriety. J.A. Watte Health Insurance in Recovery: Your Rights Are Better Than You Think https://soberwealth.co/articles/health-insurance-in-recovery/ 2026-04-16T00:00:00Z Guide to health insurance during addiction recovery. Covers Medicaid, ACA marketplace, employer plans, and minimizing out-of-pocket costs. J.A. Watte Your First Year Sober: The Financial Checklist That Changes Everything https://soberwealth.co/articles/first-year-financial-checklist/ 2026-04-16T00:00:00Z Month-by-month financial checklist for your first year of sobriety. Covers budgeting, credit, insurance, debt, and building a stable financial foundation. J.A. Watte The Debt Snowball in Recovery: Why Small Wins Beat Big Plans https://soberwealth.co/articles/debt-snowball-recovery-edition/ 2026-04-16T00:00:00Z How to use the debt snowball method during addiction recovery. Adapted for low income, irregular payments, and the emotional needs of financial recovery. J.A. Watte The Secured Credit Card Strategy That Rebuilds Credit Fast in Recovery https://soberwealth.co/articles/secured-card-strategy-recovery/ 2026-04-16T00:00:00Z How to use a secured credit card to rebuild your credit score from scratch during recovery. Card picks, usage rules, and a 6-month score timeline. J.A. Watte Sober Living Costs by State: Some States Are 3x More Expensive https://soberwealth.co/articles/sober-living-costs-by-state/ 2026-04-16T00:00:00Z What sober living actually costs in every region of the US. Monthly rates, what is included, and how to budget for housing during recovery. J.A. Watte Your First 90 Days Sober: The Budget That Sets You Up for Life https://soberwealth.co/articles/budgeting-first-90-days-sober/ 2026-04-16T00:00:00Z A realistic 90-day financial plan for early recovery. What to spend, what to skip, and how to stabilize money during the hardest period of sobriety. J.A. Watte Medicaid Covers More Addiction Treatment Than You Realize https://soberwealth.co/articles/medicaid-coverage-addiction-treatment/ 2026-04-16T00:00:00Z Medicaid covers addiction treatment in 40 states through expansion. What services are covered, how to apply, and what to do if you are denied. J.A. Watte Building an Emergency Fund in Recovery: Start With $500, Not $10K https://soberwealth.co/articles/building-emergency-fund-recovery/ 2026-04-16T00:00:00Z How to build your first $500 then $1,000 emergency fund during recovery. Specific savings strategies when every dollar is tight. J.A. Watte Your Employment Rights in Recovery Are Stronger Than You Think https://soberwealth.co/articles/employment-rights-in-recovery/ 2026-04-16T00:00:00Z The ADA protects people in recovery from addiction discrimination. Know your rights around disclosure, drug testing, and workplace accommodations. J.A. Watte Which Debts to Kill First in Recovery (The Order Matters) https://soberwealth.co/articles/debt-prioritization-in-recovery/ 2026-04-16T00:00:00Z A practical debt prioritization framework for people in recovery. Which debts to pay, which to negotiate, and which to ignore for now. J.A. Watte How to Open a Bank Account With Bad History (It's Easier Than You Think) https://soberwealth.co/articles/opening-bank-account-bad-history/ 2026-04-16T00:00:00Z ChexSystems blocking you from opening a bank account? Second-chance accounts, online banks that skip ChexSystems, and steps to clear your record. J.A. Watte How Much Money Does Sobriety Actually Save? (The Number Is Staggering) https://soberwealth.co/articles/sobriety-saves-money-calculator/ 2026-04-16T00:00:00Z The real cost of drinking and drug use broken down monthly and annually. See exactly how much money sobriety puts back in your pocket. J.A. Watte Investing in Recovery: Start With Nothing, Build Real Wealth https://soberwealth.co/articles/investing-basics-in-recovery/ 2026-04-16T00:00:00Z When and how to start investing during recovery. Simple steps from your first $100 to a real portfolio. No jargon, no complexity, just the basics. J.A. Watte Your FIRE Exit Plan: Use These Free Calculators to Know Exactly When You Can Quit https://soberwealth.co/articles/quit-w2-fire-plan-calculator/ 2026-04-16T00:00:00Z Calculate your exact FIRE number and see the compound growth path to get there. Free FIRE calculator and compound interest tool show you when you can quit your W-2. J.A. Watte Free Digital Tools to Build Your Recovery Community's Online Presence https://soberwealth.co/articles/free-seo-audit-tools-sober/ 2026-04-16T00:00:00Z Use free Digital Empire tools to audit and improve your recovery community website. Reach more people who need help by fixing SEO issues at zero cost. J.A. Watte