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 goddamn Ferrari then?