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.