You know, I dont think that quitting smoking is going to change former smoker financial condition dramatically. People focus only on the total amount saved during a long period, while pay little attention on expenses. For example OP said that he spends $90 monthly, which is $1080 per year. I am 1000% sure, that if he quit, he wont find extra $1000 in his pocket by the end of the year. He wont put those $90 by the end of the month in a piggy bank. That $2/pack he has mentioned, he would spend on something else. Cut of coffee daily. Buy more gas at gas station. Extra bottle of beer next time he does shopping. Anything. Easy to say that if he quit he would be $1k richer by the end of the year. Hard to resist spending money and saving them purposely during that year.