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: “Oh, about 20 years, I suppose.”
Woman: “So, a beer costs $5.00 and you have 3 beers a day, which puts your spending each month at $450.00. In one year it would be approximately $5400.00 correct?”
Man: “Correct.”
Woman: “If in 1 year you spend $5400.00, not accounting for inflation, the past 20 years puts your spending at $108,000.00 or maybe more, 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?”