Are your bad habits costing you a financial future?

Addicted to caffeine? Cigarettes? Have trouble walking away from the bad-food buffet? Can't stop playing the lottery? You may be gambling with your financial future.

Costs over lifetime: $258,000

America isn't healthy: A whopping 2/3 of Americans are either overweight or obese, according to the National Center for Health Statistics. And while these statistics haven't convinced too many people to eat less, exercise more or just add more fruits and vegetables to their diets (In fact, 3 out of 4 Americans will be overweight or obese by 2020), maybe these statistics, which show how significantly POORER you will be, will inspire you: Over a lifetime, obesity costs $4,879 and $2,646 a year for women and men, respectively. Tack on the value of lost life (8-10 years) and it's even more dramatic : $8,365 and $6,518. Plus, you're up against weight discrimination at the office -- this is most prevalent among women. In fact, when white females gain 64 pounds, their wages drop 9%, according to a study by Cornell University.

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