T21Finance · Habits

Vice & Wealth Balance

Tobacco, drinks, burgers, betting: each one is small, together they are a second rent. Enter what they cost you each month and see what the same money becomes after years and years if it were invested instead.

A man sits in the dark over an empty wallet, with a glass of whisky, a half-eaten burger and a few coins on the table — **He did the maths on his habits.** His wallet asked for a moment alone.

AI-generated image: a smiling man looking into his wallet next to a black piggy bank, with a rising arrow and bar chart behind it — **Same money, other destination.** The piggy bank has never been so popular.

Images generated by AI.

1.3Step 1 · How much do you spend each month on your vices?

Vices total per monthYour country's currency

Every amount on this page is in this currency, at today's prices.

1.3.1Customize ur vice

1.4Step 2 · The assumptions (every value is an assumption: change any of them and the curves move)

Currency your savings are invested in

Only used with the exchange-rate setting below. If your investments are in the same currency as the one you live on, the exchange rate changes nothing.

1.5Where do you stand after 30 years?

1.6What it adds up to

1.7Show the year-by-year details

2How it works

2.1The idea

Each vice costs a monthly amount. If you stopped, that money would not vanish: it could be invested. The page shows the total you would have burned if you kept the vices, next to what the same money is worth over the years when it is invested.

2.2What is counted

The monthly amount you enter for each vice, rising with inflation, the investment returns (capital and dividends), tax on dividends and on the gain, and the exchange rate between your investments and the currency you live on.

2.3What is not

Your health, your mood, your social life and everything that is not money. This page only talks about money, and it does not give medical advice. Future returns and prices are assumptions you set.

2.4How to use it

Fill in your real monthly amounts, then test good and bad years (low returns, high inflation). The curves only show what each choice costs or gives in money: the decision is yours.