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  • 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 fucking Ferrari then?

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