One Up-Man-Slip

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
(This is where it gets scary !!)
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 past 20 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 accounting for compound interest for the past 20 years, you could have now bought a Ferrari ??
Man:
Do you drink beer ??
Woman:
No
Man:
Where’s your Ferrari ??