For the next week (or two), we’ll be sharing “audition” pieces from folks interested in being new staff writers at Get Rich Slowly. Your job is to let us know what you think of each of these writers. Pay attention, give feedback, and after a couple of weeks we’ll ask which writers you prefer. This article is from popular GRS commenter, El Nerdo.. Nerdo’s first audition piece was about how to learn to cook.
I wake up at 3 in the morning. The painkillers have worn off prematurely and the searing pain in my jaw is unbearable, but I have to bear it because I seem to have no other choice at this hour. At least I can’t think of anything that doesn’t involve yanking my own teeth with a pair of pliers.
It’s a couple of days after I had a root canal retreat. That’s when they reopen a root canal that didn’t quite work, drill it, clean it up, and close it again. It was a huge abscess, the doctor said. It was huge but he had cleaned it and I was going to be able to eat normal that day.
Except that now, two nights after my procedure, when I am supposed to be asleep and recovering from the procedure, after two days of increasing pain, I have the feeling of hot lead being poured continuously into my jawbone.
I try to take my mind off my misery, so I get on the computer and end up reading about nerve damage and people who need permanent pain management. This only increases my sense of impending doom. Will that be me? Surely something has gone wrong, and now I will be paralyzed for life.
Things Aren’t Always What They Seem
It’s the morning after. I am exhausted, but the pain has diminished. I call the dentist’s office and I’m told to come in. I show up twenty minutes early.
Testing, testing, biting on a strip, and new x-rays, and more biting and testing.
It’s not the root canal tooth that’s hurting me. It’s the tooth behind it. The second molar on the right side. You may know him as “tooth number 31″. It’s a nice huge molar that chews almonds and kale greens for me. Massive. With roots that go yea deep, it’s a solid piece of engineering, like it’s built for armored combat. Except that now it’s having a duel to the death with me, and it wants to win.
The doctor grinds the tooth down a bit so I won’t put pressure on it, and tells me I will be relieved soon (and his prediction will come true in a day), but he declares the tooth condemned. It’s got a host of problems and it requires an extraction. The reason it hurts so much right now is because the root canal sensitized the nerve; but the reason it hurts at all is because it’s in bad shape in the first place.
You’d think I’d be shocked by this revelation, and curse my luck, but I am not surprised in the least. I’ve seen this coming for a long time. In fact, I’ve been expecting it for some time now.
This is all my fault, you see. I let this problem fester, and in spite of my outward nonchalance, I’m feeling like a very stupid man right now. And when I finish this tale you will understand why.
The Root Cause
Nine years ago, in the good old days of having dental insurance as a graduate instructor, and before choosing the uncertain life of the freelance artist, I was diagnosed with an impacted wisdom tooth. That’s when a wisdom tooth grows sideways and eventually hits the molars in front of them like a row of bowling pins.
This scenario was on the horizon, but it was nothing urgent just yet. It had been detected by an x-ray and it was buried deep. I was told I’d need oral surgery, and a possible bone graft, and I should keep it in mind.
But then I left grad school and lost my dental plan and somehow settled into the belief that I could no longer afford dental care. I brushed and flossed and cleaned my tongue religiously, but I just never went back to a dentist. “Some day!” was my motto, “when I have the money.”
But I never had the money because I had other priorities, like spending a ton of money on organic food and going to restaurants and moving to a bigger apartment. And I let a little problem grow and fester while I ignored its existence.
The Return of the Repressed
Three years ago I started getting this annoying pain in my jaw. I was anguished. I chewed on cloves and rubbed my jaw like an ape. I was alarmed. Then one day I touched… something like… bone? Yes, it was bone. I was teething! The sideways wisdom tooth was coming out of the gums!
My wife, who is the saner of us both, was tired of watching me suffer and made arrangements for me to be seen at a low-cost dental clinic. Why didn’t I do this before, you ask? Among other things, I hate paperwork. True story. Don’t ask…! I might write about it some day.
At the clinic, the dentist looked around, praised my good oral hygiene (hurray for tongue scrapers), then took some x-rays and declared: “you have an impacted tooth, and need oral surgery”. Nothing new. I had seen this coming. It had taken six years to catch up with me, but this was no revelation.
The clinic didn’t perform oral surgery, and having no dental insurance I had to pay a private doctor full-price out of my own pocket.
Never Ass-U-Me
What did I do? I assumed it would cost me thousands, I assumed I couldn’t pay, and did nothing about it. I can’t even remember how I came up with this figure, but I was convinced it would cost me three thousand dollars, which I didn’t have at the time. So I made no appointments and I didn’t get it checked and I didn’t get an actual price quote, but I looked at the web, fantasized about going to Mexico to get it fixed, complained about my luck endlessly, and I didn’t do anything in the end. I DID NOTHING. It was analysis paralysis.
In the meantime, as I debated endlessly with myself, the pain went miraculously away. The impacted tooth had finished emerging from the gums, and that earned me a earned a temporary truce. So I let it fester, and as long as it festered quietly, I made a secret pact with myself to forget about it. And I did. I had new crevices to brush and floss, but I avoided thinking about the needed procedure. I forgot for so long that the clinic dropped me for not ever showing up again.
The Reckoning
Last year around November the impacted tooth started hurting bad, and this was no teething pain, this was just the whole structural system crashing into an unholy mess, the roots of the wisdom tooth digging back into my jaw, the crown hitting the root of the adjacent tooth, which it had deformed over the years. It was time for action.
I thought of yanking it off myself, but that can cause facial paralysis, which is no joke. And just leaving it there can cause tumors… tumors! So in desperation I finally went to see the oral surgeon. Nine years after I was first told about it, three years after the dental clinic referred me to an oral surgeon; I finally went to have it examined.
I was ready to sell a kidney only to get it fixed, and I braced myself for the tab. Except that this time, unlike the others, I had been working on my finances. I had moved into a smaller apartment. I had simplified things and cut costs. I had a budget. I had a little savings. (Thanks, GRS!) In spite of the pain, I felt in control of my life. But how much would this really cost me, after all?
The Truth Sometimes Hurts, But it Hurts Less than Fantasy
$585.
That was a $185 exam, and $385 for the extraction, and $15 in three generic prescriptions at Costco. Taxes included. No room for a bone graft.
$585. I have to repeat that number. Because it’s not $3,000. Because I needed no dental insurance, and I needed no travel to Mexico. And this is one of the best oral surgeons in my town, so I’m getting a great value.
The nine-year wait had been a massive blunder. This was an embarrassing, humbling epiphany. Nine years ago when it was first detected, even out of my own pocket, I could have afforded it. Or three years ago when it began to hurt again, I could have afforded it. But at the time I had no discipline with money, and I believed the mythology that the cost was beyond my reach, and I was stupid and I let it fester.
“Q: How do you destroy a marvelous piece of natural engineering that’s built for armored combat? A: You set a stronger piece against its weak flank.” — Field Marshall Nerdo
The Wages of Fear
The wisdom tooth is out now, but it left the tooth in front of it deformed, weakened, and in a precarious top-heavy position, which is why that hurt after a root canal elsewhere.
This poor innocent beaten down tooth, a marvel of natural engineering that looks built for armored combat, has been narrowed at the base to about 65% of its original width. The impacted tooth had been pushing into it for years, and bone is hard but it’s also alive, so it reshaped the best it could under the pressure, but it’s looking bleak despite its efforts. It also has a tiny crack in it, not sure how deep it runs. The oral surgeon gave it a fifty-fifty chance when he first saw it, and now the endodontist thinks I should have it taken out.
I know whatever happens this tooth won’t last me forever, and some day I’ll have an implant in its place. Oh, those implants, they are made of titanium, and they aren’t cheap. They are great pieces of engineering too. My oral surgeon charges $1700 for them, and then I’ll need a crown on top of it, not sure how much yet (but I’ll find out next month). And of course I’ll have to pay for the extraction.
I could have saved all that damage and money and suffering by treating the wisdom tooth years ago. Now I will lose a tooth, and I’ll have to spend money I was afraid I’d have to spend because I was afraid of spending it and I did nothing. Does this make sense?
The Wisdom of the Lost Tooth
Friends: This is a true story. I have made an example of myself in the hope that you don’t have to be the next victim of a small problem that was allowed to grow unchecked. You probably didn’t need all the gory details to grasp this basic truth, but I hope they add a real dimension to what often seem mere moral platitudes.
So here’s the wisdom of my tooth as it applies to other situations: What have you been neglecting, postponing or avoiding that you could begin to address today? Are you letting a problem fester? For me, right now, it’s a state tax bill. For you it might be a leaking roof, or a credit card balance, or a smoking habit, or a relationship that needs mending, or a lapsed insurance policy, or something else. Whatever it is, don’t assume passively that there’s nothing you can do. Get the facts, take some action, get some help, and don’t let problems fester, or you may end up losing a lot more than you expected. Trust me, it hurts. A lot. Especially at 3am.
What are you still doing here? Go take care of it right now! And please let us know what steps you’re taking, so we can cheer you on.
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I <3 El Nerdo.
I had all four wisdom teeth out at once, the year after my braces came off when they started nudging my newly straightened teeth out of place.
Mind you, I'd already had four teeth removed *before* the braces. Little wimpy jaws.
Fortunately, my parents paid for all that mess. There is a good chance I'll need an implant at some point, I have one of those "filled too many times" molars that is basically just a shell of tooth around a bunch of polymer, but you know, I am a foodie and that means I need to be able to CHEW so when it is necessary, it will get done.
DH went 20 years without getting his teeth cleaned. Post-marriage when I finally nagged him into it, he was in the chair for 2.5 hours. But … no cavities. "Just" gum disease (early stages, since healed). He also had to have all four wisdom teeth out a few years ago.
While local anesthesia alone is much cheaper, I have to say, if you know this is coming up, budget for the nitrous. And a recovery day off work.
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Your molar should be able to be capped. I have molar caps that have lasted 30 years.
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Boy, can I relate!!! One note though, dental insurance is an absolute MYTH!!! It does not pay for the real needs. The most it pays is $2,000 a year, if that.
Extraction, bone graft, four implants, set back of one implant, another sugery to repair that lost implant = $25,000.
Upper crowns that coverd all but 2 back teeth = $25,500
All because a) I got cheap crowns to begin with, and b) I ignored the advice to get new crowns and the front tooth needs replacing. Once that one tooth needed to come out, it was like pulling a string…. What to do? Go toothless, or pay whatever it takes? I paid!!
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Loved this post! Excellent job El Nerdo.
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El Nerdo – I surely hope your writing ambitions don’t start and stop at a corporate blog like this. Go out on your own with the writing and own it all. There are very few people I would suggest to do that but you’re one of them. Cripes if Mr. Money Mustache can make thousands, you can do far better.
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Thanks Jacq– my writing ambitions aren’t circumscribed to GRS nor to the subject of personal finance alone, but my business lets me write and research and perform those kind of paradisiacal introvert activities for profit. I really wouldn’t want to blog full time, but I’d love a side gig, and corporate or privately owned I really enjoy the community in this blog–and getting paid to be a part of it would be ideal for me at this point. I do really appreciate your comment though, and I will keep it in mind for the future. Thanks!
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Loved this post for all the reasons previously cited. Although I go to the dentist more often than church and have for 25+ years, the mouthful of fillings and gold crowns I have just means that even diligence only takes you so far. OTOH, I can only imagine how bad it’d be if I HADN’T done all that work. I’m on my second night guard, having chewed through the first one.
I now realize why my son’s dentist got misty-eyed last month when I agreed to pay $500 for his dental work without argument.
IMHO, dental insurance in the U.S. isn’t that great because they know everybody is going to need work at some point, hence it’s not as profitable. With medical insurance, they’re betting you may die before seeing a doctor too much and thus giving them lots of money without taking much from them. I admit that insurance is necessary, but I keep in mind that insurance companies exist to make money more than to provide coverage to those needing it. My cynical $0.02, k-chink.
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P.S. – what’s my festering delayed action? Ironically, to plow through an insurance policy (homeowners) to see if they cover leaky roofs and mold removal.
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Actually it’s the same reason that the ACA needs the individual mandate to work, but even moreso. (And the same reason used cars are so cheap compared to new!) Basically it comes down to something called “adverse selection.” With dental insurance it is even easier than health insurance to put off work until you need insane amounts done, so insurance companies will lose big time if they offer dental insurance as people will not buy the insurance for years until they need a lot of work, and then they’ll buy a years worth of insurance, spend a ton, and go back to not buying it. It’s just like not trying to get regular health insurance until you have a pre-existing condition.
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You can use those cheap athletic guards. You chew through them pretty often, but you can replace them for under $1.
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I am currently avoiding getting a new auto insurance quote because I am sure it will be more than my current insurance. This is a great reminder that our uninformed assumptions our often wrong.
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Try Geico–I got great rates and a much lower deductible on my car insurance, and they are wonderful to work with.
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Great post! So practical!
The assumed $3000 bill made me laugh. I ALWAYS think my car repairs will cost $3000. I’m just fixated on that number. When I actually pay $800 or even $1500, I practically skip out of the garage!
My dirty little secret is that there’s water splashed on the washing machine in the basement after I take a shower (it’s right below the tub). Call the plumber already!
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Ah, most of the things that we’d love to see taken care of are a variety of significant home repairs. But, since we rent and since our rent is less than our landlord’s mortgage payment, and since they are constantly letting the homeowners’ insurance lapse, nothing gets fixed even when we do notify her of it!
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In many places you can withhold the rent and pay for the needed repairs with the rent money. Check your local laws.
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This was/is a very well written article…with a moral to the story that really hits home. It doesn’t have to be about money – whatever it is, don’t let it fester before it becomes a larger problem than it has to be.
Thanks for this article.
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Can you please give El Nerdo the job already?
Love both of his articles. This topic really resonates, and the way the story was told illustrated very well how we rationalize at various points in time as we continue to let things fester. From the comments, it sounds like most of us have done this more than once in our lives; I know I have.
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Before our kids left home and were no longer on our insurance, we had the dentist look at their teeth and see if they needed their wisdom teeth removed…..glad to do it for them.
When much younger,my husband and I both lived in a developing nation for several years where denists were pretty basic. In that time we did not get our teeth cleaned by a dentist and we have both had problems with gum disease because of it. Any kind of cleaning would have been better than no cleaning. Unfortunately it is not until you are about 40 years old that teeth care becomes a priority and its a bit late.
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Yikes! Talk about the old double whammy. Tooth pain and financial pain at the same time. Back when I was around 18 my dentist took x-rays and called me to let me know that my wisdom teeth needed to come out immediately. I went to meet with the oral surgeon, and had no desire to go though either the pain of the surgery or the pain of paying – 40 years later they’re still there…
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Just want to let you know this was the best trial post I’ve read. Well written, witty, and useful. Also, none of that whine about how to be frugal. I’m pretty over the posts about now to live on less. Or how to save more. I get it. I live it. I want to move beyond that to a more grown up view of money and how we handle it and how it reflects on how we handle our lives in general. So, for me, this writer is a keeper. And yes, I’ve done the same thing- put something off for fear of now bad it would be only to find that my imagination was far worse than reality. Good luck with the rest of the dental saga. And thanks for sharing your story and writing well.
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Thanks El Nerdo. There are so many things aspects of my financial life that I used to avoid and this article brought back all those feelings of fear and shame when I was avoiding something even though I knew that the problem was not going to go away.
And then I realized I had a past due bill sitting on my table that I haven’t paid. It’s for lab work associated with a recent doctor’s visit. I hate these lab bills– why are they not covered by my insurance? Why does my insurance statement (Each time I use my health insurance they send me 5 pieces of paper in the mail per visit which make little to no sense to me) state I owe $0 and yet I have a bill? I think “I’ll try to figure this out” by calling my insurance company, but don’t actually do it which is how this bill is now past due, when all other bills in my life are now paid on time.
Immediately after reading your post, I realized I wasn’t going to call the insurance company and paid the damn bill online. Thanks for the motivation!!!
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Two great old proverbs are applicable here: 1) A stitch in time saves nine. 2) Don’t be penny-wise and pound-foolish.
Love El Nerdo’s writing. Honestly, I’ve enjoyed ALL of the try-out bloggers. Some of the subjects apply to me more than others do, but that’s alright. I’ve enjoyed the variety!
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I’d love to see El Nerdo as a staff writer, but I hope he wouldn’t stop commenting on other articles.
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If hired I won’t stop commenting, I promise–I’m just not commenting on the other people trying out– sometimes I disagree with the writers and I don’t want my opinions or the perception of them to be tainted by my participation in the competition. (Caesar’s wife, etc.)
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yep. My festering problem is a hole in my shed’s roof. If the shed falls down I will not be able to replace it due to codes (it sits directly on my property line, which I am pretty sure is no longer allowed since it prevents you doing things like this preventative maintenance.) I really need to suck it up, go talk to the neighbor about getting onto his land, and deal with it. Or pay someone to deal with it, but really I just dread having the conversation. So weird!
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Hi folks,
Just came back from the oral surgeon where my poor GIANT tooth was taken out for $320 (I got stitches!). All went well and the pain was minimal (but we’ll see when the anesthesia wears off!). Back in 3 months for an implant evaluation– for now the hope is that the bone will regrow and stabilize.
Anyway, I also want to give a very big thanks to everyone who commented. This is all very encouraging, regardless of whether I get hired or not. Of course I want to get hired though–these dental repairs won’t pay themselves! (Unless of course I manage to make money writing about them, ha.)
Alright, I should go catch up with work. Many thanks again to everyone.
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At last, a post we can all really sink our teeth into! You’ve definitely given us something to chew on…
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Someone my wife knows neglected his teeth and avoided dentist visits for many years. He is now faced with either paying $20-$30k to rebuild everything or pull them all out and get dentures. I think he’s in his 30′s.
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I really enjoyed this post. An interesting example of managing risk. Reminds me – the oil in my car is overdue for a change.
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Great post! This was my favorite guest article so far.
I have been letting stomach pains fester for 3 years. I was in college, and the campus doctor decided it was PROBABLY too-high stomach acid based on my symptoms. So I took Prilosec for a whole year straight before I finally admitted to myself that it wasn’t really helping. Then, my husband’s new job never sent us our health insurance cards (even after pestering HR for a year to give us some info!). We now just passed the waiting period for another new job and FINALLY have health insurance cards!!!
Unfortunately, I had to go to the ER last Sunday for a swollen lip… cause unknown. The ER doc just told me to take Claritin, it was PROBABLY an allergic reaction. But it was swollen for 5 days and never went down. That’s right. $100 to be told to take Claritin!
The truth is, I often let things fester because I find that doctors usually don’t take the time to test you to find out what’s really wrong… they just give their best educated guess and tell you to take X medicine to make you feel that your visit was worth it.
Has anyone else had this problem with doctors? It feels to expensive and like such a waste of time when they don’t discover what is really wrong with you. As a patient, can you demand they test you?
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This is so true. I avoided the dentist for years because I didn’t have the money, “couldn’t afford’ to sign up for the dental provided my my job, and as a result my wisdom teeth grew in, impacted ALL of my other teeth, and I ended up with 12 cavities.
this is a great post. I’m going to work on my resume now for the first time in months.
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LOVED this! It’s written well and entertainingly and yes, entirely apropos. Thank you for this. On my side? I’ve been putting off doing my tax returns for the past three years. At first I stressed that I couldn’t find all the receipts I needed to claim for, then I stressed about how much being late was going to cost. Eventually I decided to eat the lost-receipts cost, and learned that the maximum I could be fined was $500 for each return but it was unlikely since I was due refunds. Two of those finally went to the accountant today – what a fabulous feeling of relief!
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One of my favorites. Love El Nerdo!
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Great piece! El Nerdo for president ..err, I mean, staff writer.
One thing I’ve learnt about problems, is that they don’t go away if you just ignore them (otherwise known, though falsely, as the “ostrich effect”). A personal story, with financial costs thrown in, exemplifies this.
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