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  
 
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 past20 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 accountingFor compound interest for the past 20 years, you could have now bought a Ferrari? 
 
Man: Hmmm… Do you drink beer?   
 
Woman: No   
 
Man: Where is your Ferrari?