"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?"