Jul 7, 2026 · 33 min · 13 segments
Pets are family, but they also come with financial responsibilities that many owners don't fully anticipate. In this episode of Money Sense, Wealth Services Advisor Courtney Witthuhn is joined by…
Sarah McGuireGuestBefore we get started on our first topic, which we want to talk about pet costs, but to kind of plan for and prepare for, I want to tell a personal story about how, in my family, pet costs have changed over the last few decades.
My parents, full disclosure, know I'm telling this story, but we had a dog, Lady, who was our first Golden.
And when I was in fifth grade, she got sick, and unfortunately, she had to be put down.
The day she was getting put down, my sister and I cut off some of her fur to keep.
And then my dad was going to bring back her ashes and we were going to have a whole ceremony.
find out a few years ago that the ashes that we buried were from our fireplace and not our dog's ashes.
And the reason is just because my parents did not want to pay the $150 to get a lady's ashes back.
which is very funny now because the dog that they just recently had, Annie, they've probably spent more medically on her than they ever spent on me.
So it really shows how animals have now become really ingrained in people's lives, have become their kids essentially.
So I think it's really important for planning for those costs is really important.
So Do you want to touch on maybe, especially with some experience at the Humane Society, of some of the initial costs that people can kind of think about, be prepared for, and some pros and cons of where they get their pets from?

I mean, through the decades, pets have really changed who they are in our family, right? I'm on my second personal dog, and there really is a lot to think about before you welcome a pet into your home.
Before we get started on our first topic, which we want to talk about pet costs, but to kind of plan for and prepare for, I want to tell a personal story about how, in my family, pet costs have changed over the last few decades.
My parents, full disclosure, know I'm telling this story, but we had a dog, Lady, who was our first Golden.
And when I was in fifth grade, she got sick, and unfortunately, she had to be put down.
The day she was getting put down, my sister and I cut off some of her fur to keep.
And then my dad was going to bring back her ashes and we were going to have a whole ceremony.
find out a few years ago that the ashes that we buried were from our fireplace and not our dog's ashes.
And the reason is just because my parents did not want to pay the $150 to get a lady's ashes back.
which is very funny now because the dog that they just recently had, Annie, they've probably spent more medically on her than they ever spent on me.
So it really shows how animals have now become really ingrained in people's lives, have become their kids essentially.
So I think it's really important for planning for those costs is really important.
So Do you want to touch on maybe, especially with some experience at the Humane Society, of some of the initial costs that people can kind of think about, be prepared for, and some pros and cons of where they get their pets from?

I mean, through the decades, pets have really changed who they are in our family, right? I'm on my second personal dog, and there really is a lot to think about before you welcome a pet into your home.
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