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A couple of sources putting the life expectancy cost at 10-20 minutes per cigarette.

Smoking for 40 years that would be 5 months at 1 a day or 17 years at 40 a day.

I think that's all consistent with what you said: 2 packs a day and you usually, but by no means always, don't make it to retirement at ~66. Five months is enough that I'd take some care to avoid it, though.

[0] https://pmc.ncbi.nlm.nih.gov/articles/PMC1117323/

[1] https://www.theguardian.com/society/2024/dec/30/single-cigar...



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