(March 6, 2009) – This one is simple.  If you smoke, stop.  Both federal and state governments pile taxes on tobacco products and make them extremely expensive.  The recently passed SCHIPS bill, for instance, greatly raises the taxes on inexpensive cigars.

If you drink alcohol, cut back on how much you drink.  Again, it’s an expensive activity.

And if you live a life of moderation in all things, you may avoid doctor and hospital bills down the road.