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According to the National Cancer Institute, smokers who quit before age 40 reduce their risk of dying prematurely from a smoking-related disease by about 90%

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Epub 2013 Dec 18

It also includes when theres blistering on the skin

Ill throw half at it, a bigger chunk at it, but Im going to keep my liquidity, because again, to your point, by doing that, you are still with the intent of paying down that loan, but giving yourself maximum flexibility, which in finance, thats literally number one priority, I think, in a plan, in a strategy, is giving yourself maximum flexibility, if at all possible