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Die with Zero: Getting All You Can from Your Money and Your Life
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Die with Zero: Getting All You Can from Your Money and Your Life

3.72  ·  Rating details ·  665 ratings  ·  151 reviews
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 practical guide on
Hardcover, 240 pages
Published July 28th 2020 by Houghton Mifflin Harcourt
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Average rating 3.72  · 
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 ·  665 ratings  ·  151 reviews

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Feb 15, 2021 rated it it was amazing
This is a thought-provoking book about how to use your money during your lifetime. The book really changed the way I think about money.

The book is not about how to make money. It is not about how to run a business. And--it is very easy to get the wrong idea about the book; Dying with Zero does NOT mean that you shouldn't give money to your family, your heirs, or to your favorite charities. Instead the book IS about what to spend your money on, and when to spend it.

What is your most val
Jen Juenke
Jul 29, 2020 rated it really liked it
Shelves: non-fiction
WOW! Ok, as part of the FIRE (Financial Independence Retire Early) Movement, I was eagerly awaiting to read this book.
I grew up in extreme poverty. I am a saver due to the circumstances in which I was raised. I have a VERY HARD time spending money. Its gotten a bit better and the author argues that I should spend money on experiences and end my life with ZERO money in the bank.
Its a great idea and made me think alot about aging, gift giving, and money in a new way.
I really liked that he had re
Jeff Heuer
Like many books of this genre, it could stand to be more concise, but it does offer a provocative reassessment of typical thinking around saving, spending, retirement, inheritance, etc. For most, it will not be simple to put the thinking here into practice. Nonetheless, the book will ask you some challenging questions about how you want your life to unfold, and encourage you to live each year you have deliberately.
Aug 01, 2020 rated it really liked it
Shelves: audiobooks, 2020
This book gave me a new perspective. Instilled the importance of spending more time on experiences than making money. Your life is measured by your experiences. Though most of his tips are meant for people who are already wealthy and have extra money to spend the general ideas he mentions can apply to anyone. Take more chances when you’re younger because you can. Spend more money when you’re younger because as you grow older the amount of money you make will generally increase. Don’t let work st ...more
Erin Clemence
Thank you to the author for providing me with this novel, in exchange for an honest review.

Bill Perkins is a CEO and former Wall Street trader who made his money in energy stocks. His novel, “Die with Zero: Getting All You Can from Your Money and Your Life” is a financial self-help book of sorts, but not entirely. Perkins suggests tips to “live a full life” and “be your true self” by focusing more of your attention on experiences, and less on money.

This concept is hard to grasp for most of u
Jan 21, 2021 rated it it was ok

I’m not sure what I think of this book based on reading the Blink. Some statements I agreed with, while others I did not (some statements to me seemed like irresponsible advice, that people could easily take as license to spend money they don’t have or not save enough, for example).

The numbers in one example scenario in the Blink didn’t add up:

“Meet Elizabeth, for example. She’s a 45-year-old woman without children, and her annual net income is $49,000. But Elizabeth only spends $33,00
Dylan Murray
Oct 12, 2020 rated it it was amazing
Just finished this book. I think this is one of those books everyone should read. Bill offers a unique and thought provoking look at savings, money and overall life. The idea is to not die with money. Why would you ? You can't take it to the grave and your kids and charities would benefit from it sooner rather than later. A must read for everyone ...more
Whitley Huelskamp
Dec 28, 2020 rated it really liked it
Fairly quick read with a casual tone. Perkins talks about the side of things that most finance books ignore: actually spending money.

Good book for anyone who is or grew up frugal. I would start elsewhere for someone who is already careless with money.
Jan 08, 2021 rated it really liked it
Shelves: nonfiction
We all know that only money is not the most important thing in life. But do we do anything about it? In #Diewithzero @BillPerkins reiterates the fact that we all know, important of health, time, money & happiness. But he tells it in a way that it actually gets into the heads of the readers. I wouldn’t say this personal finance book offers exceptional advice on how to manage your money and time, but it for sure will give a head start by putting rational thoughts in you.

There are several things I
Dec 31, 2020 added it
The book’s main motive is not only to prioritise spending money on experiences but it is also a criticism of today’s Western society in which we are all pressured and taught to work until our fingers are bare to the bone, regardless of physical health or mental wellbeing. Any money that we do make is usually meant to be saved for a rainy day, as opposed to being enjoyed in the moment.

“Your real legacy isn’t money”
(Bill Perkins, Die With Zero, p.89.)

I believe that a lot of what is covered in this
Nathan Shuherk
Feb 02, 2021 rated it it was ok
At only about 200 pages, this is simply too long. The ideas presented could’ve been a 15 minute TEDtalk (possibly where the idea originated). I could pick apart the different sections of this book, but I will simply say this: the only people this book is really written for is people in a certain income or net worth zone. The ideas kinda fall apart when applied to the very (not even ultra) wealthy and people without much chance of a retirement - the majority of this country. Aside from a narrow a ...more
Jan 29, 2021 rated it really liked it
As a personal finance aficionado I have heard this book all over the place, and was excited to pick it up and hear what it was all about. While, as advertised, it does introduce some seriously radical thinking, (you should aim to die with nothing), it really concentrates on living an examined life, and truly fulfilling what you want to get out of life, through the use of money. While I can't say that this book convinced me to go all in and spend down to the last penny on my deathbed, it is a gre ...more
Nov 17, 2020 rated it really liked it
I was generously gifted a copy of Die with Zero, by Bill Perkins, in exchange for my honest review. This book aims to solve a problem I will probably never have: how to make sure you don’t die with a bunch of money! To be fair, in the Author’s Note, Bill Perkins very specifically makes the disclaimer that if you are somebody who doesn’t really have disposable income and you are largely just surviving (financially), you may not get as much out of this book as somebody who has amassed any sort of ...more
Dec 13, 2020 rated it liked it
"My overarching goal is to get you to think about your life in a more purposeful, deliberate manner, instead of simply doing things as you and others have always done them. Yes, I want you to plan for your future - but never in such a way that you forget to enjoy the present."


So, Bill Perkins and I have very similar philosophies when it comes to saving and spending money. I consider myself a pretty financially stable and secure person. He touches early
Angelica King
Jan 28, 2021 rated it really liked it
Shelves: reviewed
Perkins poses some really interesting and challenging questions that make you critically think about how you really want your life to unfold, and encourage you to live every moment you have deliberately. As well as the many well-argued points, the book is also very quick and easy to read with a great casual tone. It’s also written in a way that makes it easy to dip in and out of which is great as it is the type of book which you can and should refer back to. The text wasn’t filled with jargon wh ...more
Suzy Baba (readaholicmom)
Dec 06, 2020 rated it it was amazing
As I finished reading Die With Zero, I had one of those AHA nostalgic moments. I sat there thinking about how true the message this book shares with it's readers on so many levels. As humans, our brains are automatically wired to believe that we need to work hard for most of our lives in order to save as much money as possible and have a secure future. We are socially taught that "enjoying life" comes later when we are much older instead of "enjoying life" now while we are young and healthy.

Jan 24, 2021 rated it really liked it
The book provides good unconventional food for thought. The gist is that we are all dying and our health is declining day-by-day so best to enjoy your $ and have experiences before you are too old to enjoy it and the goal is to use all your money for yourself and your loved ones before it's too late. ...more
Zhivko Kabaivanov
Jan 22, 2021 rated it really liked it
Die with Zero (2020) explores the benefits of spending more and saving less.

It bust the myths that surround the concept of delayed gratification and comfortable retirement.

They also explain how everyone can squeeze out more enjoyment from their money.

Dec 17, 2020 rated it really liked it
Shelves: self-help, nonfiction
I’ve read many finance books and this one is completely different - it’s refreshing, entertaining, and it doesn’t make you feel guilty about your choices! The mantra “work hard play hard” may need to be changed to “work easy play easy”?! Enjoy some of your earnings now, go check off something from your bucket list! Thank you to Outreach and the author for a gifted copy. This is my honest review.
Nov 16, 2020 rated it really liked it
This was an eye-opening concept for me for sure: how to not only spend and save your money wisely but to get the most out of your most livable years by allocating your savings properly. He covers all the initial questions such as, "what about money I want to leave for my kids" and "what if I live longer than my savings?" He likes to talk about how much wealth he has amassed over his career but it is forgivable in that he is talking as a money specialist and financial advisor. It's easy to unders ...more
Hope Helms
Feb 02, 2021 rated it really liked it
Shelves: 2021
A bit repetitive with some fascinating ideas: life energy, making memories vs. making money etc. Definitely written from a hedonistic perspective but a lot to be gleaned for the Christian wanting to be a good steward.
Byron Snapp
Aug 03, 2020 rated it really liked it
Many parts of this book are really for those that are already doing at least fairly well saving money towards their retirement, but the two things I got most out of this book are actually the ones that would apply to even those with less retirement savings.

1) The experience/memory dividend. Basically the idea that great experiences can bring you joy again later reminiscing over the experience. Over time those little amounts of additional joy can actually sometimes even be greater than the origin
Oct 04, 2020 rated it really liked it
The message in this book resonated with me, especially the discussions about health, experiences and life energy. It really is a more of a life enhancing book than a financial one. However as the author notes in the first chapter, this book (especially when discussing money) is probably best suited to the to upper middle class and higher earners. But the overall message about memories and how we spend our lives is applicable to all audiences.
Aug 23, 2020 rated it liked it  ·  review of another edition
My priors on this had low expectations but I was pleasantly surprised to hear the ideas that Perkins discussed regarding one’s wealth (or lack there-of) management over a lifetime and how to try to optimize spending vs. saving. As opposed to the FIRE doctrine of maintaining a SWR (safe withdraw rate) of 2 to 4%, Perkins suggests that one should instead be less conservative and aim to have just enough to last one’s lifetime. (Note, for him this equates to 0.7 x Annual Spending x # Yrs Til Death.) ...more
Amanda Seifried
Aug 09, 2020 rated it really liked it
A light easy read that I listened to as an audiobook (a little over 5 hours). I enjoyed hearing about the authors experience with money and feel that he offers a different perspective on some of the commonly held philosophies. However, I’d be concerned for anyone who takes his advice literally and think there is a healthy financial balance between what he suggests and more commonly held beliefs. (Reminder that with the power of compound interest it’s important to save in your early working caree ...more
Sarah Proulx
Jan 17, 2021 rated it liked it
Shelves: 2021-book-picks
Die with Zero by Bill Perkins is a financial planning strategy that focuses on using your wealth while you can, and making sure that when you die, there isn’t anything left over. The philosophy is to use your money while you can, give it away while you and others can appreciate the actions, and live life to its fullest. The idea of this strategy is intriguing, and even though this isn’t a genre I usually read, I tried to keep an open mind.

Let me start this review by thinking outreach@diewithzer
Taylor Smith
Aug 31, 2020 rated it it was amazing
This book was recommended to me by the most unlikely of sources, so I had to take a look. I found Die With Zero to be thought provoking and contrarian in a really great way. I've had rich conversations about the concepts in this book with both family and friends - I can say that the ideas are interesting enough and broad enough to engage a ton of different people.

At a bare minimum, this book is worth a read just for the thought experiments it'll put you through. You may not agree with everythin
Mar 18, 2021 rated it really liked it
Shelves: retirement
Dying with no money left, having spent it all on living. It sounds like an interesting concept – if money, a proxy for time, is a resource, can you optimize its use down to the last cent? The engineer in me was curious. I believed before reading this book that the only way to do that was to know for certain the date of your own death. After reading this book, I’m still of the same opinion. Perkins suggests that a person buy insurance and/or annuities to spend that last dollar, while doing any pl ...more
Jan 12, 2021 rated it liked it
Shelves: money
1. Death wakes people up, and the closer it gets, the more awake and aware we become.
- It makes no sense to let opportunities pass us by for fear of squandering our money. Squandering our lives should be a much greater worry.

2. Decide what makes you happy and then convert your money into the experience as you choose.
- To get the most out of your time and money, timing matters.
- A person's ability to extract real enjoyment out of the gift declines with their age. This happens for the
Liz (liziphers_reads)
Jan 29, 2021 rated it it was ok
*I received a free copy of this book in exchange for an honest review.*

To put it simply, this book didn't need to be more than 100 pages. This book is extremely long winded, repetitive, and was lacking financial content. Each chapter ends in summarizing bullet points, and if you read nothing else but those bullet points, you wouldn't miss anything.

The author uses metaphors on metaphors on metaphors to emphasize his points...the same points...over and over. We get it, move on.

For a non-fiction o
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