Sooner Rather Than Later

I went in for my routine teeth cleaning, but my dentist also wanted a new set of x-rays and wanted to look around for any issues. She found a filling that needed replacing and an old filling that was larger and needed replacing with an onlay. After going over the battle plan, the procedure would set me back a few hundred dollars. I felt like Stu, the crazed dentist from The Hangover.


Going in, I was bracing for the pain of my teeth scraping and fluoride. I now was dealing with financial pain. Can I dip into my emergency fund? Do I have funds in my Health Savings Account? I should have added funds to my cafeteria plan. The dental assistant suggested I have the work done along with the cleaning since I was already here. I had seconds to decide. I bit the bullet. I figure I take care of the problem early on rather than deal with a more serious and more expensive problem later.

Final Thoughts

I strongly suggest nipping problems early on rather than letting it fester and then you will really have a problem on your hands. This could either be health or financial issues. If you choose to ignore it, health issues could become more serious leading to both health and financial hardships. If you choose to ignore money problems, interest could mount, credit scores get damaged, or you could wind up bankrupt. Deal with your problems sooner rather than later. You’ll be glad you did!

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17 Responses

  1. Squirrelers says:

    Totally agree on getting health problems taken care of sooner than later – particluarly dental. My root canal can attest to that, as I had a cavity that wasn’t taken care of immediately. A cavity is much easier to deal with than a root canal!

    • Buck Inspire says:

      I think a lot of people, myself included, hope the problem disappears or get busy with other things. We could maybe get away with that earlier, but not now!

  2. krantcents says:

    The metaphor is not lost! This is true for almost everything. Sooner is better than later.

  3. When it comes to health, sooner is much much better than later. Don’t forget to get an annual check up too. 🙂

  4. I’m rocking about $5k in my Health Savings Account, so when I need to pay a doctor or dentist, I just buck up from there and don’t think twice. 🙂

  5. 101 Centavos says:

    I’m with Thousandaire on this one. Since our HSA has built up with a nice balance, sudden medical expenses don’t make us sweat as bad.

  6. MoneyCone says:

    Hey, if you ignore health problems, financial hardships always follow! Good advice Buck!

  7. A very good philosophy. As a general rule, there aren’t too many tasks that get better the longer you put off taking care of them. Maybe reuniting with a lost loved one, but I’m not sure that counts as a ‘task’. Sounds like consensus from most commentators is that using a HSA is the way to go; something I’ll have to look into more, it seems.

    • Buck Inspire says:

      That’s true. Reuniting with a lost loved one? Sounds like an interesting story behind that one. Yeah need to load up the HSA or cafeteria plans. Wonder why they are called cafeteria plans?

      • No, no story. Just me trying to think of any time where putting things off would be the way to go (and even with reuniting with lost loved ones, I think most people would prefer to do it as soon as possible).

        • Buck Inspire says:

          Gotcha. The only thing I can think of is tied with luck, which isn’t a good thing as you easily could run into bad luck. For example, what if you wanted to buy a house at the height of the housing bubble? You procrastinate and end up dodging the economic meltdown. Putting things off actually saved your hide, but it’s because you got lucky.

  1. June 30, 2011

    […] Sooner Rather Than Later […]

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