Sitting here at work. Not really doing much. We have been pretty slow today. Thinking about Adryn, and how much I miss her. I can't wait for her to come for Christmas. Our time together will be kinda limited given the short amount of time that she will be home, and the numerous people she wants to see, but it will still be awesome to spend
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If you put 10 dollars into mutual funds, which make 18-20% annual return yearly on average, every week instead of buying those two packs of cigarettes you would invest 520 a year. Adjusted for inflation on cigarettes of roughly 2% yearly if you pull the time line out 40 years (meaning you stop smoking when you're sixty whatever which would be when you'd want to retire you'd have....
2.8 million dollars.
To put it a little more short term if you chose instead of smoking 500$ a year to save 500$ a year into mutual funds, in 30 years (assuming 20% ROI/Year) you would have....
1.1 million dollars.
Long story short you're going to stay a poor idiot who smells horrible if you keep smoking.
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i'll be twice as rich.
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