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 RoverHSE
Sport?
Akpos: Do you smoke?

Chichi: No.
Akpos: So where's your Range Rove