I’ve always been of the opinion that if you get a tax refund, you gave the government an interest-free loan. That’s very kind of you and we all know they could use the money. But if you get a sizable tax refund, you may be able to use that for something worthwhile in your life.
I like to think that maintaining your teeth is a worthwhile cause. That money could be used to do dental work you have been avoiding for financial reasons. I know this sounds completely selfish of me to suggest this, but it leads me to the more important point of saving money to use when you need it.
Dental insurance is not readily available if your employer doesn’t provide it, at least not at a reasonable cost. The reason is that people don’t buy dental insurance unless they think they’ll need it. As a result, any insurance plan that you can buy as an individual tends to be prohibitively expensive, or it covers very little and is loaded with restrictions. For that reason, it is usually cheaper for an uninsured person to simply put money aside to pay for your dental care out-of-pocket. Doing that allows you to pay for what you want when you want it rather than being at the mercy of an insurance company to determine if something is a “covered service” or not.
So if you don’t have dental insurance, set aside an amount from your paycheck to cover your preventive detal services plus a little extra for the occasional extra dental expense. In the long run, you’ll come out money ahead, and if you take real good care of your teeth, you’ll build up a reserve fund that you can use for what you want.
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