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Financial Recovery Education Program

Money is part of recovery.

Reclaim Financial gives people rebuilding their lives practical, shame-free tools to create stability today and a stronger future tomorrow.

I'm rebuilding my financesI support people in recovery

A path forward

From survival mode to a life with room to grow.

The five-stage framework

  1. 01StabilizeStop the bleeding.
  2. 02UnderstandKnow where you stand.
  3. 03RebuildFix the foundation.
  4. 04ProtectProtect your progress.
  5. 05BuildCreate your future.

Chaos to Stability to Clarity to Control to Protection to Opportunity

ChaosStabilityClarityControlProtectionOpportunity

The methodology

Five stages. One path forward.

The framework meets people at the point of immediate need, then builds toward durable systems and a future beyond survival.

The goal

Financial stability that supports recovery—not another source of pressure.

  1. 01

    Stabilize

    Stop the bleeding.

    Identify essential monthly costs, protect immediate needs, and prepare for the financial problem most likely to surface in the next 30 days.

  2. 02

    Understand

    Know where you stand.

    Build a judgment-free picture of income, spending, debt, savings, and risk—because clarity makes the next decision possible.

  3. 03

    Rebuild

    Fix the foundation.

    Replace financial guesswork with a repeatable routine for bills, debt, and the first emergency savings that create breathing room.

  4. 04

    Protect

    Protect your progress.

    Recognize financial triggers and use a practical pause before high-stakes decisions turn into fees, borrowing, or crisis.

  5. 05

    Build

    Create your future.

    Move beyond survival toward stronger income, savings, credit, assets, and a financial life shaped by possibility.

Your first 90 days

A better financial position than today.

You do not have to fix your entire financial life in 90 days. The challenge is to take the next right steps and build momentum.

A simple starting point

Small, steady actions can create room to breathe.

  1. 01

    Know exactly what you need to cover the essentials each month.

  2. 02

    Make a clear, judgment-free list of what you owe.

  3. 03

    Create a basic money routine and begin an emergency fund.

  4. 04

    Name your financial triggers and set practical guardrails.

  5. 05

    Choose one next step toward future income or security.

Choose your next step

Built for people—and the programs that serve them.

For individuals

Build a calmer relationship with money.

Explore self-paced learning experiences that help you see your situation clearly, create a routine, and make decisions that support the life you are rebuilding.

Explore learning options

For facilities & recovery programs

Make financial recovery part of the care conversation.

Bring a practical, recovery-centered framework to treatment programs, IOPs, recovery meetings, and community settings.

Start a facility conversation

Workshops & speaking

Start the conversation with a memorable financial recovery overview.

Invite Reclaim Financial to introduce the five-stage framework, practical tools, and the 90-Day Challenge in a focused workshop, recovery meeting, or speaking engagement.

Planning a workshop or speaking event?

Request a conversation

In the catalog

Keep learning at your own pace.

Browse courses

Educational disclaimer: Reclaim Financial provides general financial education. It does not provide individualized financial, legal, tax, investment, credit, debt, or clinical advice. For guidance tailored to your situation, consult qualified professionals you trust.