Again 30 years is a very protracted period of time but during the time when you are spending on smoking, you are also bound to spend on your health treatments as well. Over 70 percent of smokers between the ages of 35 and 44 who die of coronary heart disease, die prematurely due to smoking reports helpwithsmoking .com For example, a person who has been smoking one packet of cigarette a day for 30 years is more at risk than a person who has been smoking two packs a day for 15 years. For that matter any tobacco product would put your health into trouble. And now, since it is the Insurance age, your insurance premium will also pinch your pockets due to your unhealthy habits. It is very obvious that people who smoke more will visit doctors more often than the non-smokers and this drills a hole in their finances as they have to pay a minimum of 400-500 as consultation fee and 500-750 on medicines.