Tool 05 of 30 · Opportunity Cost

Smoking costs more than your health.

The lifetime financial cost of cigarettes, cigars, or vaping — in future wealth permanently destroyed.

📐 Verified math

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Your Parameters

Live

Your Habit

Product type

Days per week 7/wk

Your Profile

Current age 25

Retire at 65

Annual investment return 7%

S&P 500 inflation-adjusted avg ≈ 7%

Inflation rate 3%

Lifetime Wealth Destroyed by This Habit

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calculating…

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What This Really Means

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Full Breakdown

Daily average cost

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Annual cost

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Total cash over lifetime

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Future wealth destroyed

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Inflation-adjusted real cost

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Wealth multiplier

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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Consult a qualified financial advisor.