Do you smoke? 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 Ferrari then ?