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Quit Smoking And Make A Crore

Mr. C.S. Sudheer | Updated On Thursday, February 21,2019, 04:08 PM

5.0 / 5 based on 7 User Reviews

Quit Smoking And Make A Crore



A number of our youth have taken to smoking in a big way. It’s a very bad habit which can cost you a crore. Sadly, young boys and even young girls in India have become chain smokers. Of particular concern are the increasing number of women smokers. While the number of male smokers is decreasing, women smokers are increasing. India has the second largest number of women smokers in the World, next only to the USA.

Smoking not only destroys health, it also burns up your money. Heavy smoking can lead to diabetes, COPD, heart diseases, lung cancer, severe asthmatic attacks and even leukemia. Women may have problems conceiving as smoking affects the reproductive system. Simply speaking….Cigarette smoking is injurious to health.

If you smoke heavily, insurers charge higher premiums on term life insurance and health insurance plans. Regular visits to hospitals mean empty pockets. It’s time to quit smoking and say goodbye to cigarettes on May 31st this No Tobacco Day.

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Quit Smoking And Make A Crore

That small cigarette can burn a big hole in your pocket. Smoking just 5 cigarettes a day can cost you a Crore. Let’s say a single cigarette costs Rs 12-17 or Rs 150-180 for a packet of 10 cigarettes.

1. Smoking cigarettes can cost a crore

Cigarette prices are not constant and rise by at least 15-20% each year. Let’s do a simple back of the hand calculation and find out how much, smoking just 5 cigarettes a day can cost you. Let’s assume that a single cigarette costs Rs 14. If you smoke 5 cigarettes a day, this is Rs 70 a day or Rs 2,100 a month. This is a cool Rs 25,200 a year…All this money going up in smoke….

Let’s take a conservative estimate of just 11% rise in cigarette prices each year. With this estimate, you would have spent more than Rs 50 Lakhs over 30 years on cigarettes. What if the money spent on smoking was invested each month in a financial instrument which gave just 8% a year? Well, this money would grow to more than Rs 1 Crore.

Yes, Smoking just 5 cigarettes a day can cost you a Crore.

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2. Smoking blows up finances

An apple a day, keeps the doctor away. Sadly, this is not true for smokers. A smoker could spend about Rs 600 a month on an average on medical treatment, compared to a person who doesn’t smoke. Medical and Healthcare inflation is soaring.

Even if you assume a mere 13% rise in medical costs each year, you would be spending more than Rs 21 Lakhs over a 30-year period. If you invested this money at 9%, it would turn out to be Rs 46 Lakhs.

Quit smoking this No Tobacco day and make a Crore. Be Wise, Get Rich.


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Article Author

Mr. C.S. Sudheer

Mr. C S Sudheer is the founder and CEO of – India’s largest Financial Education Company. He started his career with ICICI Prudential Life Insurance and later on worked with Howden India. After his brief stint in Howden India, he moved on and incorporated Suvision Holdings Pvt Ltd which is the sole promoter of He aims to build a nation that is financially literate with investment savvy citizens.

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