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Lady: Do you smoke?

Man: Yes.

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?

Man: Correct.

Lady: If in 1 year you spend $ 8640, you collectively spent $ 155,520. 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 18 years, you could have now bought a Ferrari?

Man: Do you smoke?

Lady: No.

Man: Where's your freaking Ferrari then?