10/13/2026
Die with Zero
By Bill Perkins
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Why do we work? Mostly to make money, to buy the things to live. So how much money do we need to make to ENJOY our lives?
Perkins's premise is that we should make and spend our money at appropriate times to maximize positive life experiences. Basically, he is in line with the "I can make more money later, but I can take these trips/make these memories later" cultural viewpoint/shift. The idea: I am young once, my kids are young once, we can only have THIS experience NOW. Taking your kids to Disney at 25 = still fun, totally not the same as when they are 5... That Perkins's main point throughout the book. Perkins's goal is to die with no money - that he will make and spend appropriately at each age to enjoy the money he has earned THROUGHOUT his life, not just at the end.
Overall, I don't disagree with Perkins's main points. I might suggest going anout it slightly differently? Or maybe have several actual suggestions for various socioeconomic levels. There is where this book becomes just 200 pages of repetition for me. It's all "you should do this" and little to no HOW to do this. Because if you're living paycheck to paycheck, barely covering the bills, then how do you maximize your life experiences? (Not all experiences have to cost money... some you just need time.) And if you're thinking, well, I want to donate to causes! Perkins says do it now, while you're living - you don't have to wait until you're dead 😉
I think there is already a cultural shift in this direction, so right in line with that - if you agree, might be worth picking up! Definitely a few interesting nuggets throughout to make you think about how to enjoy your life in EVERY season, not just retirement.