Her: Do you drink beer?
Me: Yes.
Her: How many beers a day?
Me: Usually about 3.
Her: How much do you pay per beer?
Me: About $5.00 - which includes a tip.
Her: And how long have you been drinking?
Me: Oh, about 40 years, I suppose.
Her: 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?
Me: Correct.
Her: If in 1 year you spend $5400.00, not accounting for inflation, the past 40 years puts your spending at $216,000.00 or maybe more, correct?
Me: Okay...
Her: 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 40 years, you could have now bought a Ferrari?
Me: Do you drink beer?
Her: No.
Me: Where's your Ferrari?
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