I hate my teethS

I'm an evolutionary marvel who was born without lateral incisors (seriously, my teeth skip right from my incisors to my canines), and my dentist told me that because of this, I'd probably have room for all my wisdom teeth. I made it almost 30 years without any problems. Now the top-left one is partially erupted, looks like it's coming in sideways, and is causing my gum to flare up something fierce. I think I need to have it out, but this couldn't have come at a worse time. Plus my dental insurance only covers up to $1K in dental work per calendar year. I'd much rather be putting money into my car than into my teeth.