Lady: Do you smoke?
Guy: Yes I do.
Lady: How many packs a day?
Guy: Three. Lady: How much per pack?
Guy: Ten dollars.
Lady: And how long have you been smoking?
Guy: 15 years.
Lady: So one pack is $10 and you’ve been smoking three packs a day, which puts your monthly spend at $900. In one year it would’ve been $10,800. Correct?
Guy: Yes.
Lady: If you spend $10,800 a year, not accounting for inflation, the past 15 years puts your total spend at $162,000. Correct?
Guy: Yes.
Lady: Do you know if you hadn’t smoked, that money could have been put in a step-up interest savings account and after calculating compound interest for the past 15 years, you could’ve by now bought a Ferrari?
Guy: Yes. Oh! Do you smoke?
Lady: No.
Guy: Then where’s your fucking Ferrari?