The ledger
Run your numbers.
In surveys of people who cut back or quit, the most common reason isn’t health, family, or fear. It’s money. 78% say it. There’s a reason every quit app leads with a savings counter: watching the number stack up is one of the few motivators that works on a bad day. So be honest with the input. Nobody’s looking.
$
- A month
- $109
- A year
- $1,304
- Five years
- $6,522
- Ten years
- $13,045
- Twenty years
- $26,089
For scale: that yearly number is a real vacation, a serious emergency fund, or 1 month of groceries. Every year, on autopilot, for smoke.