10 years longer to play with grandkids, be with your wife, etc. etc.
Yes, ten years of additional living costs, which made me want to play with a couple of formulas:
Assume smokes cost around $10 (cdn) a pack, and you smoke a pack a day. Quitting would save you $3,650 per year. Invest that at a modest rate of 2% (and I'm only compounding this annually, monthly would make a significant difference), and that would amount to $204,819.53 in 38 years (I'm currently 32). You would then have that sum to finance your additional 10 year life span for quitting. Again using the 2% rate of return, you would be able to have $22,801.85 to cover your rent, food and taxes. Pretty sure that by the time I'm 70 I will no longer be supporting my kids or paying on a mortgage. Not that that is an extravagant lifestyle, but I'm pretty sure I'd be able to get by on that.
Edit: damn, I didn't account for the taxes on that.
Edit 2: meh, had to see the difference if it were compounded monthly, would amount to only $2,669. Oh well. Damn 2%.