Lady: Do you drink? Man: Yes Lady: How much a day? Man: Three 6 packs Lady: How much do you pay per 6 pack? Man: about $10.00 Lady: And how long have you been drinking? Man: 15 years Lady: So one 6 pack costs $10.00 and you have three 6 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 drank, 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 drink? Lady: No Man: Where's your Ferrari?