For example, they re paying 40/month for their smartphone contracts, and then they are surprised, that they have no money.
If you are paying more than 10 per month for your phone, well then you are one of them.
Phone contract expenses are not the worst, there are people who complains about not having money while spending 200/month on cigarettes...If you are paying more than 10 per month for your phone, well then you are one of them.
Never smoked before I was a millionaire, not even once (except in the army when I once got two free cigs).
...but NOW my phone contract is 50+ and 500-1000/month go to cigars, plus the car is 1000+ and then the castle expenses
I think it all boils down to the understanding of cash flow and exponential function.
Remember also that science is pretty clear that smoking is NOT good for your health, and some people should NEVER smoke (even if rich) b/c they are NOT sufficiently genetically gifted. Risto, you seem to be one of these who should NOT smoke. In this regard, it does little to NO good for you personally to have acquired sufficient wealth to be financially independent - but to cause health conditions upon yourself in order that you cannot meaningfully enjoy such accumulated wealth. Accordingly, eating good expensive and healthy food is important - but cigs should NOT be part of that - especially if one has health ailments.