Lady: Do you smoke?
Lady: How many packs?
Man: 3 packs daily.
Lady: How much is per pack for your brand?
Man: $ 8 a pack.
Lady: And how long have you been smoking?
Man: Almost 18 years.
Lady: So one pack costs $ 8 and you have 3 packs a day which puts your spending each month at $ 720. In one year, it would be $ 8640. Correct?
Lady: If in 1 year you spend $ 8640, you collectively spent $ 155,520. 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 18 years, you could have now bought a Ferrari?
Man: Do you smoke?
Man: Where's your freaking Ferrari then?