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Spend $22.50 a year and save $10,000? How does that work? Well, a couple of my relatives have spent well over $10,000 each, having their teeth and gums repaired. If you've had a root canal, implants, crowns or bridges done, you know that figure is not an exaggeration, and you're lucky if your insurance covers even a little bit of it. Having seen my relatives go through that, I've decided that as I get older, I want to spend my money on vacations and real estate, and not on painful dental procedures.