<prompt> Human: Long time lurker that needs financial advice per current situation. Title is mildly misleading. Advice needed on whether I should go ahead or not. Details: 1 I am a 23 year old, graduated out of school 2 years, living in Chicago. 2 I havent gotten braces as a child, I have always wanted to get braces for my front two teeth, they are not completely horrible, I have whats more of a overjetoverbite that need to be pushed in, which also means a little bit of jaw reshaping. My teeth have begun to overlap, and it apparently slowly but progressively is going to get worse because of how it currently is. 3 I went for two Invisalign consultations, got quoted for 5k for 1 years worth of work 4 An out-of-Network orthodontist quoted 4.5k for braces, for same time period 1 year 5 I am currently on a DMO dental insurance that technically covers adult braces up to 2k, yet to go to a good in-network orthodontist who would consider braces as an option, and I am not sure how much of it would be coveredwhat are the criteria for me to be eligible for that 2k. Current position: I saved up 5k for this. I am inclined to go with Invisalign as its more inconspicuousless embarrassing. I would rather get it done now than later as its something I have wanted to fix for a while, and I believe MIGHT be something I would consider to do even through later years 30s, 40s. However, 5k is a good amount, I could saveinvest. I feel like I am stealing a larger future money from myself by committing to a 5k expenditure now. Is it worth going for semi-cosmetic, semi-health expenditure worth 5k thats unfortunately time dependent as in, more likely to cost me more in the future as overlapping, overcrowding would increase?  <response>: Will it make you happyimprove your quality of life and will you still feel financially secure afterward? If you answered yes to both, I would get them. 