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?