Where's your Ferrari then?

Lady: Do you smoke?
Man: Yes
Lady: How many packs?
Man: 3 packs daily
Lady: How much is per pack for your brand?
Man: $8 a pack.
Lady: And how long have you been smoking?
Man: Almost 18 years.
Lady: So one pack costs $8 and you have 3 packs a day which puts your spending each month at $ 720. In one year, it would be $8640. Correct?
Man: Correct.
Lady: If in 1 year you spend $ 8640, you collectively spent $ 155,520. Correct?
Man: Correct.
Lady: 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 18 years, you could have now bought a Ferrari?
Man: Do you smoke?
Lady: No.
Man: Where's your Ferrari then? :D :/