Sometimes, a clever question can turn a lecture into a punchline—especially when money and habits collide.

A woman spots a man puffing on a cigarette and decides to give him a little financial lesson.

“Roughly how many packs do you smoke daily?” she asks.

“About three,” he replies.

“And what’s the price per pack?”

“Roughly $15.”

“How long have you been smoking?”

“Ten years. Why?”

“Well,” she says, “if you had saved all the money you’ve spent on cigarettes, you could have bought yourself a Lamborghini by now.”

The man looks surprised. “Really? Do you smoke?”

“No,” she answers.

“Then why don’t you have a Lamborghini?”