Lady: Do you drink beer?

Man: Yes

Lady: How many beers a day?

Man: Usually about 3

Lady: How much do you pay per beer?

Man: $5 with a tip

Lady: And how long have you been drinking?

Man: 20 years, I suppose

Lady: 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 $5400 correct?

Man: Correct

Lady: If in 1 year you spend $5400, not accounting for inflation, the past
20 years puts your spending at $108,000, correct?

Man: Correct

Lady: 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?

Lady: No

Man: Where's your [Fornicating] Ferrari?

Nice one