Lady: Do you smoke?
Man: Yes
Lady: How many packs a day?
Man: 3 packs
Lady: How much per pack?
Man: $10
Lady: And how long have you been smoking?
Man: 15 years
Lady: So 1 pack costs $10 and you have 3 packs a day which puts your spending each month at $900. In one year it would be $10,800, correct?
Man: Correct
Lady: If in 1 year you spend $10,800 not accounting for inflation, the past 15 years puts your spending at $162,000, correct?
Man: Correct
Lady: Do you know that if you hadn't smoked, that money could have been put in a step-up interest savings account and after accounting for compound interest for the past 15 years, you could have now bought a Ferrari?
Man: Do you smoke?
Lady: No
Man: Where's your Ferrari then?