SMOKE CONVERSATION

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?