Medical bills as a portfolio: the worst asset class you own
A CA's view of the pharmacy receipt drawer.
If you treat your spending like a portfolio, medical bills are the one holding that never returns anything. No yield, no appreciation, no exit. Just capital leaving to buy back a baseline you already had.
The micro-treatment problem
Nobody budgets for antacids, a scan, a gut-health powder, a wellness consult. Each is small. Together they're the most consistent drain we see in under-30 ledgers, and the least noticed because there's no monthly line for it.
You would never buy a fund that guaranteed a loss. Yet most of us hold one, and refill it every month.
Reallocating
The cheapest asset in the same category is groceries. Moving even a third of micro-treatment spend into a weekly grocery run changes both ledgers at once. We track the two side by side, and the crossover usually happens within two months.
By [Founder name], CA and Registered DietitianBook a session