Same thing here. It's hard for me to watch anyone smoke, and even harder to watch my son and two step daughters do it. My son is now 35, and rapidly approaching the age where smoking starts to rain its damage on you.
Strangely, my sister quit smoking the same month I did, with neither of us knowing the other was quitting. After my diagnosis, she went in for a scan, which thankfully, was clear.
The money thing is, indeed, a good motivator. When I quit cigars, five and half years ago, I used the money I had been spending on the cigars to make payments on a new boat. I named the boat, "No Cigar".