NEW YORKER JOSEPH SCOTT QUIT SMOKING AND PUT the money he would have spent on cigarettes into a cookie jar. Seeing the money mount, he says, helped reinforce his resolve. Now, two years later, Scott has amassed $3,285, and he's taking a luxury cruise.
Forget health; let's talk money.
Consider a teenage girl, eager to be attractive and confronted constantly with images of healthy, Virginia-slim tobacco models. Like about 1 in 5 teenage girls today, she gets hooked. Taking into account FICA and income taxes, she could see $1,500 in pretax earnings each year go up in smoke -- $1,500 that...
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