Tit For Tat-

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 freaking Ferrari then?