Bad habits can ruin any well thought out financial plans. Habits such as your morning coffee, buying lunch at work each day, and of course smoking and drinking, can drain your bank account. They are not as noticeable as someone backing a truck up and loading all your money in and driving away. However, the results are the same.

A woman shared her story with me. Her bad habit was smoking cigarettes. She smoked less than a carton a week. Along with her husband