Deeply Invested: Manage Money, Budget, Save, Invest, Build Wealth
Sep 10, 2026 · 8 min · 7 segments
If you've already met your deductible this year, the rest of your care is about as cheap as it's going to get — and on January 1st, that resets to zero. This week, Meghan walks through five things…
Happy shopping with Rakuten! Welcome back to CFO Corner, your 10-minute weekly money check-in.
Hi, I'm Megan, and I have a quick question before we get into anything else.
If you've already met your deductible this year, do you actually know that? Because if you have, that actually could be some good news for you.
The rest of your medical care this year is about as cheap as it's going to get.
You're already past the expensive part.
And on January 1st, that number resets straight back to zero.
So today, we're doing a quick benefits check.
Five things sitting in your plan right now that reset before the year is over, whether you touch them or not.
Here's the shift I want you to make.
This isn't about finding new places to spend money.
It's about timing the spending you are already going to do.
The PT you've been meaning to schedule, the specialist referral sitting in your inbox, the dental work you've been putting off, You might have already decided you need this care.
The only question today is whether you use it now while it's already paid for, essentially, or wait until January and pay full price for the exact same thing.
The myth that trips people up here is really my benefits reset in January, so I've got time.
Reset is the wrong word for what's actually happening.
These accounts don't roll over.
They restart.
Whatever's unused on December 31st doesn't carry into the next year.
It's just gone.
So I have time has it backwards.
What you actually have is a deadline.
And now here are five things to check before the calendar flips to January 1st, 2027.
Happy shopping with Rakuten! Welcome back to CFO Corner, your 10-minute weekly money check-in.
Hi, I'm Megan, and I have a quick question before we get into anything else.
If you've already met your deductible this year, do you actually know that? Because if you have, that actually could be some good news for you.
The rest of your medical care this year is about as cheap as it's going to get.
You're already past the expensive part.
And on January 1st, that number resets straight back to zero.
So today, we're doing a quick benefits check.
Five things sitting in your plan right now that reset before the year is over, whether you touch them or not.
Here's the shift I want you to make.
This isn't about finding new places to spend money.
It's about timing the spending you are already going to do.
The PT you've been meaning to schedule, the specialist referral sitting in your inbox, the dental work you've been putting off, You might have already decided you need this care.
The only question today is whether you use it now while it's already paid for, essentially, or wait until January and pay full price for the exact same thing.
The myth that trips people up here is really my benefits reset in January, so I've got time.
Reset is the wrong word for what's actually happening.
These accounts don't roll over.
They restart.
Whatever's unused on December 31st doesn't carry into the next year.
It's just gone.
So I have time has it backwards.
What you actually have is a deadline.
And now here are five things to check before the calendar flips to January 1st, 2027.
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