An analysis by financial site WalletHub found that a lifetime of smoking costs smokers on average $1.4 million in personal costs.

That outlay represents spending on cigarettes, smokers’ own costs for medical treatment, and lower wages.

The biggest portion of the costs are related to buying tobacco, which amount to $1.03 million on average after a lifetime of smoking. According to their analysis, New Jersey had the 7th highest costs attributed to smoking, mostly due to a high state cigarette tax.

The analysis also shared the U.S. Centers for Disease Control’s data on the link between smoking and lower education levels: about 42% of Americans with only GED diplomas smoke, compared with 9.1% of those with college degrees.