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Advisor-Teller Money Manager

Clients who have substance use and/or psychiatric problems often have difficulty managing their funds. ATM therapy was developed to help people stop using drugs and/or alcohol, manage their money better, and improve their quality of life.

The behavioral treatments involve helping people align their money management with their values. For example, ATM (Advisor Teller Money Manager) helps people addicted to drugs or alcohol spend money on abstinence-promoting activities by:

  • Storing money so it's not available for impulsive substance use
  • Budgeting money so it's designated for the client's abstinence-related goals
  • Contracting to spend the client's money if he/she meets weekly goals

ATM Materials Available

  • To start delivering ATM, download the ATM Therapist Manual.
  • To start a program to store client funds, download Managing Program Accounts.
  • To train therapists to conduct ATM, download the ATM Training Materials. The manual contains interactive exercises to make learning ATM interesting. It also contains nuts-and-bolts information about how to deliver ATM.
  • To get an overview of ATM for clients or therapists, view the ATM film. In this fifteen-minute film, Drs. Rosen and Rosenheck speak about how ATM was developed, therapists describe how to conduct ATM, and Delores describes her experience in ATM.



Black AC, McMahon TJ, Potenza MN, Fiellin LE, Rosen MI: Gender moderates the relationship between impulsivity and sexual risk-taking in a cocaine-using psychiatric outpatient population. Personality and Individual Differences 2015;75:190-194. PMC4278375


Black AC, Serowik KL, Ablondi KM, Rosen MI. Timeline historical review of income and financial transactions: A reliable assessment of personal finances. Journal of Nervous and Mental Disease 2013;201(1):56-9. PMC3535442.

Rowe, M, Serowik KL, Ablondi, K, Wilber C, Rosen MI: Recovery and money management. Psychiatric Rehabilitation Journal 2013; 36 (2): 116-118. PMC3992283

Serowik LK, Bellamy CD, Rowe M, Rosen MI. Subjective experiences of clients in a voluntary money management program. American Journal of Psychiatric Rehabilitation 2013;16(2):136-153. PMC3942091.


McQuaid JR, Marx BP, Rosen MI, Bufka LF, Tenhula W, Cook H, Keane TM: Mental Health Assessment in Rehabilitation Research. Journal of Rehabilitation Research and Development 2012; 49: 121-138.

Rosen MI. Overview of special sub-section on money management articles: cross-disciplinary perspectives on money management by addicts. American Journal of Drug and Alcohol Abuse 2012; 38(1):2-7. PMC3320213.

Rosen MI: Cross-Disciplinary Perspectives on Money Management by Addicts. American Journal of Drug and Alcohol Abuse 2012; 38(1):2-7. PMC3320213


Black AC, Rosen MI: A Money Management-Based Substance Use Treatment Increases Valuation of Future Rewards. Addictive Behaviors 2011; 36: 125-128. PMC2981645

Fries HP, Rosen MI. The efficacy of assertive community treatment to treat substance use. Journal of the American Psychiatric Nurses Association 2011;17(1):45-50..PMC3082444

Rosen MI. The ‘check effect’ reconsidered. Addiction 2011; 106(6):1071-7. PMC3094507


Rosen MI, Rounsaville BJ, Ablondi K, Black AC, Rosenheck RA: Advisor-Teller Money Manager (ATM) Therapy for Substance Use Disorders. Psychiatric Services 2010; 61(7): 707-713. PMC3064073


Delores talks candidly about her experience in ATM.