Hey friend,
This week I watched three different clients open a dentist bill, then an orthodontist bill, in the same seven days. Two called me sounding like they'd just taken incoming fire. One texted me a single word: "why."
Here's the truth nobody puts on a motivational poster: teeth are not optional, and neither is paying for them. Cavities don't check your calendar. Wisdom teeth don't wait for a raise. And if you've got kids, orthodontists have apparently decided a straight smile costs about the same as a used Honda Civic.
Mission: Build the Fang Fund
Let's look at the numbers behind the ouch. Braces run $3,000–$7,000. Invisalign runs $3,500–$8,000, averaging around $5,100. A root canal plus crown with no insurance? $1,600–$3,200. That is not a typo. That is a tooth.
- Open a separate "Fang Fund" savings account and auto-transfer $50–$100/month, before the bill shows up, not after
- Check your insurance's annual maximum now (most cap out around $1,000–$3,000/year), so you know your real exposure before you're in the chair
- If braces are coming, ask the orthodontist about interest-free in-office payment plans before you ever reach for a credit card
None of this is glamorous. It won't trend on social media. But a fully funded Fang Fund is the financial equivalent of body armor: you hope you never need it, and you are really glad it's there when the bill lands anyway.
Ready to stop getting ambushed by bills like this one? This September I'm launching Financial Fresh Start, built for exactly this kind of moment. Spots are limited.
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Cheering for you,
Jenny
See you next week!
