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Lady: Do you smoke?

Man: Yes

Lady: How many packs a day?

Man: 3 packs

Lady: How much per pack?

Man: $10

Lady: And how long have you been smoking?

Man: 15 years

Lady: So 1 pack costs $10 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 Ferrari then?

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I heard this with different ending.

.

.

.....

Woman : If you saved all the money, you could have bought a Ferrari.

Man : The Ferrari parked there, is it yours?

Woman : No.

Man : It's mine. Thanks for your advice, now **** off.

Moral - Lecturing without knowledge can get you insulted. :D

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