There is an old story about a guy taking a smoke break with his non-smoker colleague.
How long have you been smokin for? The colleague asked.
“Thirty years” says the smoker.
Thirty years? The colleague was in shock. He said: “That cost you so much money”.
“You are spending around $1900 a year. Had you instead invested this money at an 8% return for last 30 years, you would have $250000 in your bank account today.”
“That’s enough money to buy a Ferrari.”
The smoker looked puzzled,
he asked : “do you smoke?”
The colleague: “No”
The smoker: “So dude, where is your Ferrari?”