I hit my Claude Code usage limit mid-week. I have a second subscription, but switching accounts the naive way — /logout, /login, repeat — is miserable, and it turns out "switching accounts" in Claude Code silently means switching everything: skills, MCP servers, settings, hooks, memory, session history. All of it.
What I actually wanted: one brain, two wallets. Same skills, same MCP servers, same muscle memory — just a different subscription getting billed.
Here's the setup that got me there. ~20 minutes, fully reversible.
Step 1: Two config dirs, two aliases
Claude Code keeps all its state in a config directory — ~/.claude by default — and honors a CLAUDE_CONFIG_DIR env var to point elsewhere. That's the whole trick:
