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WalletHubs formula for total lifetime cost has five components: out-of-pocket cost (one pack of cigarettes per day for 51 years), financial opportunity cost (defined as the amount of return a person would have earned by instead investing that money in the stock market), health care cost (spending on treatment for smoking-related health complications), income loss (an average 8% decrease caused by absenteeism and lost productivity), and other costs (loss of a homeowners insurance credit and costs of secondhand exposure)