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Sorry what? People SAVED during the pandemic! Who are these people?
We did. My wife and I both worked 6-7 days for over a year, only got one week off during the lockdown. Plus stimulus. We hadn't had $2k to our name in a decade and then we had $20k. Thought maybe we could finally afford to go to the dentist. Ended up with $50k in home repair bills though. Still haven't been to the dentist.
Go to the dentist. It's cheaper than not going. It's only twice a year.
Skip a luxury or two. Do some GrubHub or Uber for a few days if you need to. The dentist is more important than most doctor appointments, unless you have a chronic condition.
Dude when you haven't gone in 20 years that bill is like $15k. Each. No luxuries to skip, we both already work 60 hrs.
At least get a cleaning for a few hundred bucks, opt for x-rays, then discuss what your options are for restorative work. Finding abscesses and getting screened for oral cancer is important to your overall health.
A man can dream
Mostly high earners / high spenders who suddenly had nowhere to spend all their money.
Also some extremely low earners who got elevated unemployment for a while.
And PPP grifters.
If you're wealthy and all your money is in assets, investments, residential real estate, etc and not income then your wealth significantly increased while everyone else's decreased.
I paid off 20k in debt over the pandemic. Extreme frugality and budgeting with no change in income.
Getting my wife to stop buying stuff was a critical piece.
I learned a LOT about how to save money during the pandemic.
Staying at home is pretty cheap