The Sane Advice?

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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?
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