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I'll just put this out there:
The wealthy ex Navy pilot I help smokes two packs a day, at least. We live near Virginia, the home of cheap(er) cigarettes. Since he works and invests from home, time is not a real issue.
Even f he paid me, which I won't accept, spending the hour to drive over the Potomac and back saves an incredible amount of money.
He is phenomenally cheap that, while annoying, has virtue in some areas.
Money management is, as we have discussed here many times, so woeful as to be non-existent.
The percentages of where and what your budget should go towards hasn't changed in forever.
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1996 FJ80.
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