What Differenciates Smoker & Who Dont!!

Chichi: Do you smoke?
Akpos: Yes
Chichi: How many packs a day?
Akpos: 3 packs
Chichi: How much per pack
Akpos: £10.00
Chichi: And how long have you been
smoking?
Akpos: 15 years
Chichi: So 1 pack cost £10.00 and you have 3
packs a day which puts your spending each
month at £900. In one year, it would be
£10,800 correct?
Akpos: Correct
Chichi: If in 1 year you spend £10,800 not
accounting for inflation, the past 15 years
puts your spending at £162,000 correct?
Akpos: Correct
Chichi: Do you know that if you hadn't
smoked,that money could have been put in
a step-up interest savings account and after
accounting for compound interest for the
past 15 years, you could have now bought a
Ferrari?
Akpos: Do you smoke?
Chichi: No
Akpos: Where's your Ferrari
then???
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