doctor: do you smoke? me: yes doctor: how many packs a day me: 3 packs doctor: how much per pack me: $10 doctor: how long have you been smoking me: 15 years doctor: so one pack cost $10 and you have 3 packs a day meaning you spend $900/month and $10800/year, correct? me: correct doctor: if in one year you spend $10,800 not accounting for inflation, the past 15 years put your spending at $162,000 correct? me: correct doctor: do you know that if you haven't smoked, that money could have been put in a set up interest savings account and after 15 yrs with interest you could have now bought a ferrari me: do you smoke? doctor: no me: where the heck is your ferrari then doctor: ................ .................