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 is your Ferrari?