Smoking a pack a day would cost you about $2 555 over one year. Deposit this money into a retirement savings plan and over 20 years you would have over $104 743 (assuming a 7% rate of return and $7 per 20 cig. pack)
Source: I got this tidbit from a "Smoke Free Ontario" flyer from the Government of Ontario and the Canadian Cancer Society. I don't have the exact scientific citation, but I did get the flyer approximately around January 30th.
Hans Skariah, B.Sc., DMD
Promenade Court Dental Health Group in Mississauga
2233 Hurontario St., Mississauga, ON, Canada
(1/2 km north of the QEW in the Dome Building)