<prompt> Human: Are teeth worth investing in?My wifes teeth are pretty bad and will need 15,000 in dental work. Prior to this job, weve put it off because of Marriage expenses, a tough budget, and poor dental insurance. Currently I can put in 6,750 a year into an HSA and 2,000 is paid through insurance. At the end of this year, there should be 1400 in the account. Dental work needed15,000 HSA EOY1,300 HSA next year 8,050 Dental insurance 2,000 Belows a few details on what we owe, when. Family2,000.00 Must pay back by Febuary Personal loan230.00 Completed in December Credit card3600 12 Credit card3,783 0 until June Credit card5826 14.99 Family her side2800 0 but she gets after us if we dont send her something 16,993.00 So my question is, should I contribute to my HSA at all? Or cancel it, and throw all the earned income at credit card debt? Or should I max the HSA and slowly pay off family and cards, essentially getting dental work done when we have money in the HSA? And, once the HSA and dental insurance has been used up, do we continue fixing her teeth out of pocket after asking for a cash discount from the dentist  <response>: IMO, yes, teeth are important as an overall health wellness thing.Having bad teeth is a pretty bad blow to ones self esteem, even if they dont realize it probably because theyve just gotten used to it. Never smiling, self conscious, having people judge you think of you negatively...My husband had really bad teeth for years, I finally found him a dentist he was willing to go to and weve sunk a fair bit of money into his teeth so far 10k worth and the difference in him as a person is pretty damned amazing. 