Lady: Do you smoke?
Man: Yes.
L.: How many packs a day?
M.: 3 packs.
L.: How much per pack?
M.: 10.00 pounds.
L.: And how long have you been smoking?
M.: 15 years.
L.: So 1 pack cost 10.00 pounds and you have 3 packs a day which puts your spending each month at 900 pounds. In one year, it would be 10,800 pounds, correct?
M.: Correct.
L.: If in 1 year you spend 10,800 pounds not accounting for inflation, the past 15 years puts your spending at 162,000 pounds, correct?
M.: Correct.
L.: 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?
M.: Do you smoke?
Lady: No.
Man: Where’s your fucking Ferrari then?