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John is convinced he lost $20. That is the amount of money he took out of his pocket, that is all that belonged to him that he lost.
Johns wife is convinced he lost $30. He lost the $20 in buying the speakers (John had believed the speakers was worth $20 at the time) and $10 later (John attributed a value of $10 to the speakers later that he lost)
Johns brother thinks he lost $40. $20 originally, $10 in the worth of the speakers, $10 that was not paid to him.
Edit: can you tell its 4am? lol
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