This is a conversation between a man and a potential girlfriend.

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?