Finding Affordable Dental Care

My new job doesn’t have the best dental insurance. The premiums for two people cost about $76 a month, and has an annual maximum of $1000 per person. That means I’m paying more than $900 a year for the potential of us using up $2000 in benefits. That didn’t seem ideal to me. My previous dental insurance costs only about $40 a month for two people with better coverage. So, I did what I do best: research my options.
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Resources on Finding a Postdoc Position

What’s a postdoc? According to the National Postdoctoral Association (NPA): A postdoc is generally a short-term research position that provides further training in a particular field, and for individuals planning research careers in academia, government, or industry, the postdoc years can be an opportunity to develop independence, hone technical skills, and focus research interests. The postdoc path: understanding the value of a postdoc before you commit (https://www.nationalpostdoc.org/page/postdocket_08171) Lots of fresh PhD graduates do a postdoc, but it’s not necessary, especially if your career plans do not involve academia.
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Emergency Funds and Sinking Funds

When I first started budgeting, I built a small emergency fund of $1000. This is the first of seven baby steps recommended by Dave Ramsey. Over 6 years, we built up the emergency fund to cover 6 months of expenses. At the same time, we also have sinking funds. So what’s the difference between emergency and sinking funds? And do we need to have both?
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