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    Lady: Do you drink beer?

    Man: Yes.

    Lady: How many beers a day?

    Man: Usually about 3.

    Lady: How much do you pay per beer?

    Man: $5 with a tip.

    Lady: And how long have you been drinking?

    Man: 20 years, I suppose.

    Lady: So a beer costs $5 and you have 3 beers a day which puts your spending each month at $450. In one year, it would be $5400 correct?

    Man: Correct.

    Lady: If in 1 year you spend $5400, not accounting for inflation, the past 20 years puts your spending at $108,000, correct?

    Man: Correct.

    Lady: Do you know that if you didn't drink so much beer, that money could have been put in a step-up interest savings account and after accounting for compound interest for the past 20 years, you could have now bought a Ferrari?
    Man: Do you drink beer?

    Lady: No... Why?

    Man: Where's your Ferrari?
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