Do you smoke?

Imagine this conversation...

Chichi: Do you smoke?

Akpos: Yes....

Chichi: How many packs a day?

Akpos: 3 packs.

Chichi: How much per pack?

Akpos: N200.

Chichi: And how long have you been smoking?

Akpos: For 15 years.

Chichi: So, one pack costs N200, and you have 3 packs a day, which puts your spending each month at N18,000. In one year, it would be N216,000 correct?

Akpos: Correct.

Chichi: If in one year you spend N216,000 not accounting for inflation, the past 15 years puts your spending at over N3,000,000 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 easily bought a brand new Range Rover HSE Sport?

Akpos: Do you smoke?

Chichi: No.

Akpos: So where's your Range Rover HSE Sport then?
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