I relate to rstlne; I don’t drink coffee, I don’t smoke, and I’ve scaled back my weekend bar excursions significantly (partly because there were a couple nights I spent $20 on alcohol while out with friends, but also partly because I wake up so early that I don’t have the energy). But I think that my training as an athlete has made it easier for me to avoid those small-but-big-cost behaviors. I’m used to putting myself in moderately uncomfortable positions in the interest of a big pay-off in the future; that’s a lot of what training is about. So I see my training as very related to my financial well-being.