You did the hardest thing already. You got clean. Then comes the part that rarely gets talked about: the debt, the wrecked credit, the bills you can't look at.

I sat down with my friend Jacob Dobscha, a business insurance agent with LD&B Insurance in Harrisonburg, Virginia, to lay out exactly how you dig out. Not theory. A plan you can start the week you get home.

We cover the whole thing. Where to begin when everything feels like it's on fire. The first $1,000. The debt snowball and why you go after the smallest balance first, ignoring interest rates. What to do when you can't even make your minimums. The emergency fund, retirement, and the long game of owning a paid-off house. And why the same drive you used in active addiction can build something real now that it's pointed in the right direction.

Then Jacob tells a story I won't forget. His mom, a single mother of three, put her whole paycheck in the offering plate the week rent was due. What the church did next is the reason he's spent his life passionate about money. Not to get rich. To be the one who gives.

If you're clean but buried, this is the conversation.

Connect with Jacob Dobscha on LinkedIn: https://www.linkedin.com/in/jacobdobscha

If you or someone you love needs help, start here: https://svtc.info/get-help

Rebuilding Life After Addiction is a production of Shenandoah Valley Teen Challenge.

🎙️ Host: Justin Franich | Executive Director, Shenandoah Valley Teen Challenge
🌐 Full episodes + resources: https://svtc.info/podcast
📖 Faith-based recovery guides: https://svtc.info
🙏 Support this ministry: https://svtc.info/donate
📞 Need help? Call us: 540-213-0571