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Formula for Financial Cost of Smoking Financial Cost of Smoking = Out-of-Pocket Costs + Financial Opportunity Cost + Related Health-Care Costs + Income Loss Due to Smoking-Related Issues + Increase in Homeowner's Insurance Premium + Secondhand Smoke-Exposure Costs

Ceasing smoking indoors prevents further odor from accumulating, while removing ashtrays and cleaning or replacing surfaces where tar and soot have settled stops these from continually releasing smoky odors into the air

While white smokers tend to begin when they are younger, African Americans tend to continue smoking into their later years, resulting in longer average duration of exposure when the effects of tobacco-related disease become more apparent

So how much are the savings