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?