Do you smoke?

Lady: Do you smoke?

Boy: Yes

Lady: How many packs a day?

Boy: 3 packs

Lady: How much per pack?

Boy: $10.00

Lady: And how long have you been smoking?

Boy: 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?

Boy: 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?

Boy: 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 past15 years, you could have now bought a Ferrari?

Boy: Do you smoke?

Lady: No

Boy: Then where's your fucking Ferrari?