Integrating Financial Coaching and Smoking Cessation Coaching

Inclusion Criteria: * age ≥18 years, * smokes ≥5 cigarettes per day, * interested in receiving smoking and financial counseling, * self-reported income below 200% of the current federal poverty level, * New York City resident, * speaks English or Spanish language (the interventions and measures have not been validated in other languages), * able to provide informed consent, and * does not have a representative who manages his/her funds. Exclusion Criteria * people who know a current past study participant (to avoid intervention contamination) * People who have a medical contraindication to using nicotine replacement therapy: * allergy to nicotine patch * pregnancy or intention to become pregnant over the next 12 months * breastfeeding * heart attack in the past 2 months * underlying arrhythmia * ongoing or worsening angina.