Lady : Do you smoke ?

Man : Yes

Lady : How many packs a day ?

Man : 3 packs

Lady : How much per pack

Man : $10.00

Lady : And how long have you been smoking ?

Man : 15 years

Lady : So 1 pack cost $10.00 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 ?