I have a choice if i want braces or not, i do, but SOO EXPENSIVE, help?

so i have this mive over bite, like i can fit my pinky up in between the top and bottom. i am kinda in secure about this, my bottom teeth are pretty yello wbecause my top teeth block them from getting well brushed and my brother constantly calls me "horse face", i WOULD retort with a flaw about him but hes PERFECT teeth, so i call him fat because he eats like a pig (though hes thin as a rake) so i wwant braces to correct this, but if i dont actually /NEED them maybe i shouldnt, we are a well off family, and i am not an expensive child (like i dont ask for spending money or expensive brands like bench and lulu lemon). i want the nice teeth but i dont want the quilt feeling of up to 5000 dollars for something we dont really need. we have some insurance but not enough to cover it all, what should i do?