Do you smoke?

Lady: Do you smoke?

Guy: Yes I do.

Lady: How many packs a day?

Guy: 3 packs.

Lady: How much per pack?

Guy: $10.00 per pack.

Lady: And how long have you been smoking?

Guy: 15 years

Lady: So 1 pack is $10.00 and you have been smoking 3 packs a day which puts your spending per month at $900. In 1 year, it would have been $10,800. Correct?

Guy: Correct.

Lady: If 1 year you spend $10,800, not accounting for inflation, the past 15 years puts your spending total at $162,000. Correct?

Guy: Correct.

Lady: Do you know if you hadn't smoke, 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 by now bought a Ferrari?

Guy: Oh. Do you smoke?

Lady: No.

Guy: Then where's your Ferrari?