The really clever budget-maker accounts for healthcare costs—copays, prescriptions, the annoyingly expensive but wizardly pediatric dentist who is the only one your child won't bite but who doesn't take health insurance. Then you slip on the ice while bringing your co-worker a latte and the whole game changes: Your insurance pays for the surgery, if you're lucky, but usually requires copays (at least) for other treatments. A friend of mine was hit by a car while riding her bike and had her ankle shattered; her recovery involved months of physical therapy and acupuncture. Medical costs can keep racking up for much longer than what you'd imagine. (If that's making you feel anxious, never fear: Get some of Dr. Oz's tips on how you can save money on health care here.