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Die With Zero: Getting All You Can from Your Money and Your Life―A Revolutionary Approach to Maximizing Life Experiences Over Accumulating Wealth

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Description

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

Publisher ‏ : ‎ Mariner Books


Publication date ‏ : ‎ May 4, 2021


Edition ‏ : ‎ Reprint


Language ‏ : ‎ English


Print length ‏ : ‎ 240 pages


ISBN-10 ‏ : ‎ 0358567092


ISBN-13 ‏ : ‎ 97


Item Weight ‏ : ‎ 6.4 ounces


Dimensions ‏ : ‎ 5.31 x 0.8 x 7.99 inches


Best Sellers Rank: #186 in Books (See Top 100 in Books) #2 in Retirement Planning (Books) #2 in Budgeting & Money Management (Books) #4 in Happiness Self-Help


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If you place your order now, the estimated arrival date for this product is: Sunday, May 24

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Top Amazon Reviews


  • A Thought-Provoking Guide to Living Fully! One of my Best Reads this Year!
Format: Paperback
I originally listened to Die With Zero through the library and found it so impactful that I purchased a copy for myself—this is absolutely a book worth rereading and reflecting on. Having a physical copy allowed me to slow down, highlight key insights, and take notes on concepts I do not want to forget. One interesting part is the graph on page 116. It truly makes you pause and think differently about how you approach time, money, and life experiences. The way the author frames “memory dividends” is powerful, and that visual really brings it all together in a practical, easy-to-understand way. I also love the concept of “bucket lists”—but not in the traditional sense. This book encourages you to break your goals into time-based buckets (by decades or phases of life), which makes planning experiences feel much more intentional and achievable. It’s a refreshing shift from one overwhelming, never-ending list to something structured and motivating. Another standout is the formula for determining when to start spending down your money. It challenges conventional thinking about saving endlessly and instead promotes a more balanced, purposeful approach to using your resources while you can still fully enjoy them. This book isn’t about reckless spending—it’s about aligning your money with your life in a thoughtful way. Highly recommend for anyone who wants to rethink how they plan, save, and ultimately live. ... show more
Reviewed in the United States on April 25, 2026 by Healthy Living and Honest Reviews

  • It Gets You Thinking
Format: Paperback
Great book! It causes you to think about what you’re wanting your legacy to look like as well as your presence in your life. I don’t agree with all of the guidance but it was a great book to make your critically think.
Reviewed in the United States on January 2, 2026 by Stephanie V

  • Worth the price
Format: Paperback
Very interesting read. My Brother has a poverty mindset and thinks you need to save every penny in case something happens. To me he doesn't live he just exists. This book opens up reality that you won't be on this earth forever why not live a little.
Reviewed in the United States on April 2, 2026 by Howard Neal

  • Fantastic book
Format: Paperback
This book was highly recommended to me and I am so glad it was. The book arrived so quickly and I finished it in 2 days! It is a practical guide to how you can get the most out of your money, and your life. The book is guaranteed to change your thinking about your future encouraging you to accumulate new experiences now-before it’s too late. Convert your earnings and nest egg into priceless memories by establishing and following a “net worth curve”. ... show more
Reviewed in the United States on March 19, 2026 by Karen S. Simpson

  • Dangerous retirement advice, but makes you think about your future!
Format: Paperback
Die With Zero contains a controversial and thought-provoking concept, which is to plan your life so that you purposely spend all of your wealth by the time you die. To maximize a person’s life, the author (Bill Perkins - NOT a financial advisor) recommends that most people should begin spending down on their retirement savings between 45 and 60 years of age (depending on one’s estimated life expectancy) so that they will reach zero net worth by the time they pass away. In theory, this plan is a great idea. In reality, this idea is impractical and down-right dangerous given that it’s impossible to predict the timing of one’s demise. I strongly disagree with many of the points in this book, starting with the notion that any money earned during a person’s career is “wasted” to the extent that the person dies before spending it. In other words, the author is saying that money has no value unless it is spent during one’s lifetime. In my opinion, this is wrong for several reasons. As just one example, having savings in the bank gives many folks the feeling of financial peace and security. If you don’t believe such a feeling is valuable, just ask anyone who has ever lost sleep worrying over unpaid bills or a lack of retirement savings. With that said, I found other points in the book that are worthwhile, including: 1) everyone should be mindful of how they spend their time and money (i.e., consider whether the daily Starbucks routine is a better choice than saving for front row concert tickets or a summer vacation and regardless how you answer that question, it’s empowering to know you have a choice), 2) a fulfilling life has more to do with amassing memorable experiences than increasing the size of one’s bank account, 3) plan to spend some money on experiences while you can still physically participate (don’t wait til retirement to buy a ski boat b/c most 70 year olds can't water ski), 4) retirement planning should include the concept that spending varies during your golden years (most retirees are more active/spend more $$$ in early retirement and less as their health declines), and 5) deferred gratification (i.e., saving for an emergency or retirement) is wise, but denied gratification is not smart (i.e., work until you die without stopping to smell the flowers along the way). Overall, I completely disagree agree with the main message in this book. Personally, I’d rather die with a pile of unspent money than take a chance of outliving my savings and end up eating dog food for my remaining days on earth. For financial planning advice, I definitely don’t recommend this book. However, it is valuable in the sense that it provides a different perspective on retirement savings and made me think more about my future. ... show more
Reviewed in the United States on January 2, 2024 by Avid Reader

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