Political Science Department, Brigham Young University, Provo, Utah, USA.
Utah County Department of Drug and Alcohol Prevention and Treatment, Provo, Utah, USA.
Subst Use Misuse. 2021;56(2):214-223. doi: 10.1080/10826084.2020.1853776. Epub 2020 Dec 10.
Substance use disorders (SUDs) impact everything about an individual's life-health, family, employment, education, housing, transportation, and finances. By the time individuals with SUDs begin treatment-especially in publicly funded programs-most have few financial resources. Many have resorted to property crimes, resulting in fines, fees, and restitution costs that compound their financial difficulties. Reestablishing financial functioning is key to recovering from the consequences of addiction. Yet access to cash may also trigger relapses-especially in early recovery. This paper reports initial results from studies exploring how clients in treatment for SUDs manage their financial responsibilities, assessing their financial capability both in terms of access to financial services and personal financial literacy. Using data collected between June 2017 and October 2019 from almost 5,000 SUD clients as they entered treatment as well as a financial needs assessment study of 70 clients during treatment, we conducted Chi-square testing and logistic regressions to analyze the relationships between client characteristics and financial capability. Our results indicated that over 50% of individuals in addiction treatment did not have access to accounts at insured financial institutions, and that clients' ages and education levels were significantly related to their financial capability. We also found that 78% of clients feel that money management skills are important to their recovery. Many SUD clients in recovery have limited financial capability, and they are interested in developing financial skills. Increasing client financial capability may be an underemphasized, yet important part of recovery capital.
物质使用障碍（SUD）会影响个人生活的方方面面，包括健康、家庭、就业、教育、住房、交通和财务。当患有 SUD 的个体开始接受治疗时——尤其是在公共资助的项目中——他们中的大多数人几乎没有经济来源。许多人诉诸于财产犯罪，导致罚款、费用和赔偿费用，使他们的经济困难更加复杂。重新建立财务功能是从成瘾后果中恢复的关键。然而，获得现金也可能引发复发——尤其是在早期康复阶段。本文报告了探索 SUD 治疗患者如何管理其财务责任的研究的初步结果，评估了他们在获得金融服务和个人金融知识方面的财务能力。利用 2017 年 6 月至 2019 年 10 月期间近 5000 名 SUD 患者进入治疗时收集的数据，以及对 70 名患者在治疗期间进行的财务需求评估研究，我们进行了卡方检验和逻辑回归分析，以分析客户特征与财务能力之间的关系。我们的结果表明，超过 50%的成瘾治疗个体无法在受保险的金融机构开设账户，并且客户的年龄和教育水平与他们的财务能力显著相关。我们还发现，78%的患者认为理财技能对他们的康复很重要。许多康复中的 SUD 患者的财务能力有限，他们有兴趣发展理财技能。提高客户的财务能力可能是恢复资本中一个被低估但重要的部分。
