Die With Zero

A common-sense guide to living rich . . . instead of dying rich

Imagine if by the time you died, you did everything you were told to. You worked hard, saved your money, and looked forward to financial freedom when you retired.

The only thing you wasted along the way was . . . your life.

Die with Zero presents a startling new and provocative philosophy as well as a practical personal finance guide on how to get the most out of your money—and out of your life. It’s intended for those who place lifelong memorable experiences far ahead of simply making and accumulating money for one’s so-called “golden years.”

In short, Bill Perkins wants to rescue you from over-saving and under-living. Regardless of your age, Die with Zero will teach you Perkins’s plan for optimizing your life and engaging in intentional lifestyle design, stage by stage, so you’re fully engaged and enjoying what you’ve worked and saved for.

You’ll discover how to maximize your lifetime memorable moments with “time-bucketing,” how to convert your earnings into priceless memories by following your “net worth curve,” and how to navigate decisions about whether to invest in, or delay, a meaningful adventure with your “fulfillment curve” and “personal interest rate.”

Using his own life experiences as well as the inspiring stories and cautionary tales of others—and drawing on eye-opening insights about time, money, and happiness from psychological science and behavioral finance—Perkins makes a timely, convincing, and contrarian case for living large.

• Rethink Retirement: Stop over-saving for a distant future and start using your money to create priceless memories now, when you have the health to enjoy them.
• Maximize Your Experiences: Learn the author’s strategy for “time-bucketing”—a powerful tool to ensure you have the experiences you want before it’s too late.
• A New Kind of Investment Strategy: Discover why your life’s memorable moments are an investment that pays “memory dividends” for years to come.
• Smart Money Management: Follow your “net worth curve” and “fulfillment curve” to make smarter decisions about when to save and when to spend on meaningful adventures.
• Financial Freedom Now: Break free from the cycle of endless work and accumulation with a practical, step-by-step plan for living your richest life today.