Woman: Do you drink beer? Man: Yes Woman: How many beers a day? Man: Usually about 3 Woman: How much do you pay per beer? Man: $5.00 which includes a tip (This is where it gets scary !) Woman: And how long have you been drinking? Man: About 20 years, I suppose Woman: 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 approximately $5400 correct? Man: Correct Woman: If in 1 year you spend $5400, not accounting for inflation, the past 20 years puts your spending at $108,000, correct? Man: Correct Woman: 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? Woman: No Man: Where's your Ferrari?