Quote from: Imugen on June 03, 2024, 10:08:38 AM

The world is changing really fast. Nowadays school students starting from 9th-10th students to college level students are indulging in smoking to show themselves smart, nowadays it has increased a lot. When a student is addicted to smoking, he spends about one to one and a half dollars a day on buying cigarettes. A cost per month is $30 to $45, which if converted annually is $360 to $540. A student spends about $2,500-$3,700 on smoking over seven years. If we had saved this amount of money in any investment or for the future without spending it unnecessarily during our student life, then the path in life would have been very easy. The most difficult journey of a student's life begins in the years after graduation, when your savings or investments may come in handy.

A lot of people calculate these, like an 8 dollar cup of coffee every morning over course of 10 years (including inflation) would worth enough to be a huge capital for a house down payment too, or smoking, or drinking, hell even like netflix subscription if you think about it.

When you combine all of this, imagine living a life where you do not smoke drink or go out or eat anything expensive, you just eat noodles, drink tap water, watch cable tv, and sleep without doing anything else and spending nothing more, I guarantee you that you will not even see retirement because you will get sick from living a terrible life. We should be able to afford these and still retire, the fact that we can't isn't our problem but capitalisms desire.