As for the orthodontics, my almost 9 year old daughter is doing a 'palate expander' which is a fancy cranking retainer that has been lost at least 5 times at $170 a piece.
The other daughter is almost 11 and has lovely teeth that are perfectly straight. Cool, no braces. Wait. She is MISSING her bottom permanent first molars. Her baby teeth should hopefully hold through high school at which time she'll need titanium implants. Those implants will probably cost more than braces.
It's always f. something.