Die With Zero, Bill Perkins, 2020

The book challenges traditional financial planning by advocating for maximizing life experiences rather than accumulating wealth for later. Perkins argues that spending money wisely across different life stages ensures fulfillment and minimizes regret. By balancing spending, saving, and giving, one can optimize their life’s trajectory to enjoy the wealth they’ve accumulated while they are still able to fully experience it.

Top 3 Learnings:

1. Focus on spending money on experiences rather than accumulating wealth—money should enable meaningful experiences, not just sit in a savings account.
2. Plan your financial life in time “buckets” and spend according to different life phases, considering health, time, and money to optimize for the best possible experiences.
3. Give money to loved ones or charity at the right time—early inheritance and thoughtful distribution maximize impact when it’s needed most.