Me:
i work all day and i have no money and in ten years it'll still be the same story
Jon:
i go to school all day and have no $$, and am paying out the ass to do it
Me:
but in ten years, I'll be toiling away while you're off somewhere drunk on a yacht
Jon:
Yeah, but dude, yachts require crews - that's why I have useless unsuccessful friends
Jon:
I've got it all planned out.