43,836 SFR is the life-time present discounted value I saved by deciding not to smoke anymore! The underlying data for the computation is a yearly inflation rate of 2%, the assumption that in 40 years my doctor will forbid me to smoke, a constant consumption of roughly 10 cigarettes a day and a cigarette price that linearly increases from its current price of 6 Swiss Francs to 12 Francs in 40 years. Those are all rather moderate assumptions. So actually, I could buy now a nice Volkswagen car since I basically got it for free!
Alternatively, if I would invest the money I save each year and earn an average rate of 6% per annum which I reinvest, I would have 231,913 SFR in the year 2048, which is equivalent to a present value of slightly above 100,000 SFR. My Volkswagen just became a BMW, but I have to wait until 2048 to buy it.