Dentist are not as quick to pull wisdom teeth, or third molars as they use to.  Generally speaking if  the wisdom teeth are not causing you any trouble then you should not have them pulled just to be pulled.   However if your wisdom tooth is starting to decay a dentist may advise to pull it if that is the best option.

Either way you need to see a dentist as soon as possible so the decay does not spread and become a much large issue.  If you do not have dental insurance currently, try getting either a dental HMO plan or a dental discount plan. These are the types of plans that normally do not have long term waiting periods and you will be able to save on average between 20 to 30 percent off an oral surgeon.