Beer

Woman:    Do you drink beer?

Man:         Yes

Woman:   How many beers a day?

Man:        Usually about three.

Woman:   How much do you pay per beer?

Man:        $5.00, which includes a tip.

Woman:  How long have you been drinking?

Man:       About twenty years.

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 $5,400.  Correct?

Man:       Correct.

Woman:  If in one year you spent $5,400, 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?