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

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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 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’ plan for optimizing your life, 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 “experience bucketing,” how to convert your earnings into priceless memories by following your “net worth curve,” and find out how to navigate whether to invest in, or delay, a meaningful adventure based on your “spend 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.

240 pages, Hardcover

First published July 28, 2020

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Bill Perkins

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Displaying 1 - 30 of 974 reviews
Profile Image for Sheri.
1,120 reviews42 followers
April 19, 2021
An alternative perspective on saving and spending – both of our financial resources and of the days of our lives.

I didn’t wholeheartedly agree with everything he said, but the overall guiding principles are logical. Certainly, this philosophy gave me pause to consider my own ideas about health and wealth during various stages of my life, and will help me to define my own limits, both financially and psychologically, rather than just instinctively following the earn, save, and maximize wealth model that has permeated American culture. A thought-provoking and discussion worthy read.
Profile Image for Amelia.
106 reviews28 followers
January 10, 2022
I'll save you some time... just make some money and then spend it. Make a list of things you'd like to do across your lifetime; like travel to Mexico or learn an instrument. Once you have a list decide on a good time to do those activities based on your health and possible future events like when you're going to have kids - it might be hard to go parachuting when you're 90.

I can not believe someone made a whole book out of what should have been a 1 page article.
Profile Image for Jen Juenke.
758 reviews20 followers
July 29, 2020
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 referenced Vicki Robin's book, Your Money or Your Life, which this book feels like a continuation of. With Ms. Robin's book, I felt that it was overly preachy, while this authors book was about the experiences, the memories that harvest interest, and doing what you love.
I thought the graphs were spot on, especially the health and diminishing returns.
I have to say that for the most part I agreed with everything that the author wrote.
Couple of things I did not agree with is not to save money in your early working life and to take on a "moderate' amount of debt early in life.
While I understand where the author was coming from, saying you will get more from the experiences then saving the money....I CRINGED INSIDE. People need to save money, especially Americans.
Further, don't get into debt. Save money for things you need, make debt the last thing you resort to and you will have a better, more optional life.

Overall a great financial book that doesn't necessarily tell you the numbers of retirement, but more the emotional response to get out and make memories.
Profile Image for David Rubenstein.
804 reviews2,536 followers
February 15, 2021
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 valuable possession? It is you memories! Your memories are your most treasured possession, the one thing that defines who and what you are. Consequently, spending money to build up memories is the best use of your money. One should spend your money acquiring experiences, not things. These experiences can be alone or with friends or with family. Whatever your preference. Your experiences will define who you are, so think about what experiences you will appreciate. Also, think about when it is best to acquire these experiences. A road trip--staying in hostels or other inexpensive places--might be best at a young age. Arduous treks are also best when you are young; you might enjoy hiking the Appalachian trail, but if you are out of shape it might not be best when you are 70 years old. Think about your "go-go", "slow-go", and "no-go" years. The author deeply regrets not going with his friend through Europe, staying at hostels, in his early 20's. At an later age, he would not have appreciated such a trip as much.

What about giving money to your family--say, your children. For them, too, receiving an inheritance would be much more useful at an early age, such as when buying a first home, rather than at a retirement age. The idea is that if you die of old age with money in your bank account, you have lost it; you haven't used it to acquire experiences. And while you could will it to your heirs, they will not receive it at the best age to take advantage of it.

I highly recommend this book--it was quite an eye-opener for me.
Profile Image for Nathan Shuherk.
255 reviews2,000 followers
February 2, 2021
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 audience, the voice can be slightly boisterous and condescending. If you find yourself in a position where this thinking applies to you, a conversation about these topics would be more useful than reading this book.
Profile Image for Sad Sunday (Books? Me?!? NEVER!!!) .
357 reviews175 followers
March 6, 2021
Received this book from the author. Thank you!

In many nowadays cultures saving is a norm. Want something? Work and save. Save every cent, every penny. Prohibit yourself from certain indulgences. Don't overspend on crazy things! They make you happy? Well, you will have to do without. Eat buckwheat. Walk. Squeeze the most out of every tube, carton and package. Finally, have enough saved for what you wanted? Have it, and well, there is more you should start saving for right now! Star immediately! Yeah, I might be overreacting with that, but a job-home-family way of thinking penetrates even the modern people.


What I loved the most about Die With Zero was a laid-back, but facts-based approach. Yes, save, but don't forget to enjoy! Don't slowly kill yourself over dreams that others believe to be worth reaching for. Make money, but invest them smartly. Do it while you can, since you never know which day will be your last. It's a nice proof that some things we want are closer than we imagine and we don't need to wait for ages to achieve it. There is a nice little chapter about finding balance - I think it's very important for a person. This need is sprouting many practices and beliefs, but don't look that far - listen to your heart, follow what you truly want and answer one question - do you need all things you currently have in your life? So, don't forget to look around - there is always more to enjoy than your work and money!
Profile Image for Jeff Heuer.
18 reviews5 followers
August 11, 2020
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.
Profile Image for Sarah.
198 reviews
January 21, 2021

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 $33,000 of what she earns. She puts the remaining $16,000 into her pension and savings account. By the time she retires, at age 65, she will have a total net worth of $770,000. This sum will include all those savings as well as her home equity.”

This sum _includes_ home equity? What assumptions is the author making here? This $770k figure actually seems low. Based on my calculations, she should have $770k PLUS home equity and any other savings. This scenario also assumes she a) didn’t start saving for retirement or buy a house until age 45 (and had no other debt, i.e. she had a net worth of $0 at 45; not entirely unreasonable assumptions, but if you’re younger than 45, aim to do better than this) and b) she receives zero promotions or pay raises in these 20 years.

“After retirement, Elizabeth spends $32,000 a year, until, two decades later, she dies at the age of 85. At the time of her death, Elizabeth still has $130,000 in her savings account.”

This would only be true if she leaves the entire amount in cash, which based on the previous paragraph, also includes her home equity, meaning she would need to sell her house, and live, where...? The next example makes a point which contradicts this spending / balance figure, but again, my calculations indicate she should actually end up at age 85 with over $1.5 million...

“Suppose you need $12,000 a year to survive. You expect to live another 40 years. That means, in order to retire, you need a net worth of $480,000.”

So far so good, arithmetically, and the example continues:

“In fact, you can probably stop working with significantly less than this amount. This is because your money and assets will accrue interest over time, so your net worth would decrease slower than you expect. In reality, you only need around 70 percent of your estimate to quit working. Interest rates will take care of the rest.”

Not just decrease slower, but more than likely increase over time, and with less than 70% even (good news which actually supports the author’s point).

“If you want to get the most out of your time on Earth, you shouldn’t allow your net worth to climb much higher than your survival amount. And when it does, begin to reduce wealth, rather than building it up. You might, for example, decide to spend more on great experiences or reduce how much work you do.”

This is what we call a good problem to have. The solution is simple: adjust your spending and or gifts and or charitable giving accordingly.

“Don’t waste your life saving up for a rainy day. You might get wealthier as you get older, but your health and openness to new experiences will decline. It’s smart to spend your disposable income while you're young, pursuing risky dreams and taking up mind-expanding travel. Never forget that nothing lasts forever – and nor will you. So choose happiness over an ever-expanding bank balance.”

Yes and no, though. Risky dreams and mind-expanding travel (or whatever it is YOU personally value, if you don’t share the author’s bias towards these two particular values) don’t have to cost a fortune. It is also possible to balance both, since you don’t know what the future holds. (Health problems or disability are things that can happen, though I hope they don’t!)

This is also an argument FOR saving while you are young, when compound interest can work most in your favor. I hope the key message of this book, which was ambiguous to me from the Blink, is not to saddle your future self with debt to travel the world or whatever the author seems to think we should be doing with our money.

I have many, many more thoughts on this topic, but overall I don’t think I can agree that spending all of one’s money is the only measure of having lived fully.
Profile Image for Matt The British Reader.
146 reviews36 followers
October 23, 2022
“We all have the potential to make more money in the future, but we can never go back and recapture time that is now gone. 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.”

This book was okay. I thought the concept was interesting. It basically talks about spending your money on experiences - instead of accumulating a bigger bank account.

Honestly, this book could’ve been a blog post. But if you don’t know much about personal finance, it’s worth reading.

Three stars.
Profile Image for Erin Clemence.
1,053 reviews311 followers
February 6, 2021
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 us. Since childhood, we are told to “understand the value of a dollar” and to “work hard to earn what you want”. Perkins turns these tenets on their heads and forces us to look at money in a new way- use it to experience life now, because the older you get, the less chances you will have to use it in the best ways possible.

The novel itself is very well written, and each chapter covers a different aspect of Perkins’ theory. Not every chapter will relate to everyone but there is something for everyone somewhere in this book.

It was very difficult for me to relate to Perkins. Although I can appreciate his values and his belief system, it is hard to accept financial and life advice from someone who flew his entire family (and all of his friends) to the British Islands for his 45th birthday (and has a laissez-faire attitude about it) , and is a millionaire at the age of 50. It is extreme examples like this that make it hard for me to find a connection with him. He does gives example in this book of “normal” people (i.e. non-millionaires) and how they can use his theories as well, but they don’t relate with me. Not everyone starts at one job and then advances (and continues to make wage increases with those advances) . The possibility of staying at the same job until retirement is high in these risky times, and the likelihood that we will go from “rags to riches” is next to impossible, for the working class of the world (you know, the majority of us).

I appreciated Perkins’ life advice, and it does make a lot of sense. To spend money while we are young on experiences that would be both foolish and irresponsible when we get older, for example. There are definitely a lot of experiences I missed out on as a youth because I was too focused on making money. It also connects that we need to focus on the memories we leave behind, and not on the financial windfalls we leave our relatives.

Perkins does state often that he is “not” a financial advisor, and it is best to leave our financial decisions into the hands of those who are (he definitely touts the benefits of annuities and insurance, though, for someone who isn’t a “financial advisor!”).

“Die with Zero” is an interesting take on how we, as a society, look at money, and the skewed importance we give to it. Since it completely went against everything I have ever been taught (and even against a lot of my current practices with the money I have now) , it definitely took a lot of open-mindedness to get through this book, but Perkins definitely has some good ideas.
Profile Image for Lorilin.
757 reviews241 followers
April 24, 2021
Our culture’s focus on work is like a seductive drug. It takes all of your yearning for discovery and wonder and experience, promising to give you the means (money) to get all those things—but the focus on the work and the money becomes so single-minded and automatic that you forget what you were yearning for in the first place.

Well, this book blew my mind.

In a nutshell, author Bill Perkins argues that we think about saving and retirement all wrong. Many of us, myself included, dutifully save our pennies, squirreling away every extra cent so that we can have enough in retirement to go on a couple vacations and then pay for our inevitable health problems as we age. But we’ve got our priorities reversed. We forget that health is a commodity, too, and we don’t have it forever.

We live in a culture that overemphasizes hard work and delayed gratification. (Did your insides clinch up like a fist when you first read that? Yeah, mine, too.) But what about experience? What about spending time and creating memories with the people you love? Life is a balance between money, health, and time. When we’re young, we have good health and lots of time, but less money. As we get older, we usually have more money, but also more constraints on our time and health.

So there’s a sweet spot, an optimization point, where you have money and time, as well as enough good health to enjoy it. (For most of us, this will occur when we’re 30 to 60 years old.) We should capitalize on this time, not squander it to work more than we need to. Of course, most of us still have to work—we need an emergency fund and the right amount saved for retirement. But the trick is to work just enough to pay for what we need and for the experiences we want to have…but not a minute more. (Don’t worry, he helps you figure out how to find your peak optimization point.) Whatever money you don’t spend at the end of your life is waste. It means you worked that extra time but never got to enjoy the fruits of your labor. How depressing.

I’m sure you’ll have the same objections to some of these arguments as I did. What about the kids’ inheritance? What about end-of-life donations to charity? What if I love my job and don’t want to quit? He has answers for these objections and more. The one I found most compelling: why let death determine how and when you spend your money? Why not be intentional with your money while you’re alive? Consider giving your son $20,000 when he’s 30-years old and needs help with a downpayment for a house, rather than wait until you die (when he’s 60) and he no longer really needs the money. Again, it’s about optimization.

The most life-changing concept in this book, though, concerns time buckets. Instead of having a bucket list, where you list things you want to accomplish before you die, be more specific and intentional. Divide your life into five-year increments (20-25, 25-30, 30-35, etc.), and decide what you want to accomplish and when, keeping in mind the levels of health, money, and time you need to accomplish each item. For example, I’d like to visit Niagara Falls at some point. I’d also like to see the tulip farms in Holland, earn a paycheck again, throw myself a big birthday party, see the redwoods, run a real 5K (not a DIY 5K, like I did during covid), visit the Louvre, leave a server a $100 tip, learn self-defense, and hold one of my grandchildren. Each of these things requires different levels of money, health, and time. Maybe I can visit Niagara Falls this summer since it’s closer and cheaper (40-45), but I’d rather take a trip to Holland when my kids are older and we have more money in the bank (45-50). I’d want to learn self-defense when I’m healthy enough to do it easily (40-45), and it probably goes without saying that I’m not looking to be a grandmother anytime soon (55-60 please, kids!). But I love this concept of being more intentional with your life, your time, and the experiences you want to share with the people you love.

So yeah, I enjoyed this book. It really made me rethink the way I want to live my life. It also helped me feel less guilty about spending money to experience, you know, fun. I know not everyone is a curmudgeonly scrooge, but I can be, for sure… Five stars all day.
Profile Image for Jay French.
2,041 reviews74 followers
March 18, 2021
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 planned legacy giving while still alive, and while living life to the fullest. I don’t believe the insurance products he suggests all exist except in a theoretician’s mind, so practicality is a problem. As is risk. The author doesn’t always discuss additional risks taken while trying to limit a risk, like for instance your insurance company fails after you’ve paid for your annuity or insurance product. I found this disheartening in this book, as the author is an engineer who made his fortune in financial trading. I thought I found a kindred spirit.

And I did, in a way. The author begins the book describing his thinking being influenced by the book “Your Money or Your Life”, which explained how your time, or life energy, is traded for money, and you can think of your purchases as really being a chunk of your limited time on earth. He takes the concept to the conclusion that to be optimal, you should not waste time on making money that you won’t spend, hence the title of the book. But it ends up that the author isn’t done there. He continues down the optimization path by suggesting that life experiences and the memories they provide are what is really important in life, and to maximize these memories, you should spend on experiences while you can. For example, if you want to say you climbed Mount Kilimanjaro, it’s best to do that when you are younger and abler than risk not being able to do it later in life when you may not be able to physically. This seemed to be the main thrust of the book, not quite what the title leads you to believe.

There were two things I didn’t like about the book. One was the bragging. The author is wealthy and enjoys spending his money. He threw himself a birthday party right out of Lifestyles of the Rich and Famous, flying friends to a Caribbean island and having a private concert. He is not psychologically opposed to spending. I tend to be, so I found this over-the-top example a bit too much. He used these examples to make his point, and he did.

Another thing I felt while reading this is what I would call “go-getter privilege”. There are risks that people who have generated wealth will take that other people will not. It is like there is a built-in insurance in the mind of a wealth generator, where they believe they can rebuild their wealth should any risk reduce their financial situation. I felt this strongly about the author, a multi-millionaire energy trader, as I read this book. It would be interesting to see if the author would have the same perspective if he was, say 20 years older and considering his wealth-making capabilities, facing age discrimination and no longer having his industry contacts, having followed his own advice and given away or spent most of his fortune. I think it would be quite a different book.

In summary, if you find yourself wealthy and want some logic behind upping your spending, this book is for you. For others, it is still a very interesting book, more a personal philosophy book than a finance book, making you think about your physical and financial capabilities at different times in your life and trying to make the best use of each.
Profile Image for Lin.
110 reviews2 followers
January 21, 2021
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 stop you from spending time with friends and family and from preventing you from doing the things you’ve always wanted to do that you’ve probably put off several times already. A nice reminder of what’s important. :)
Profile Image for Tori.
131 reviews13 followers
February 23, 2023
Wow. This has me totally rethinking how I spend and save. It contains steps to help readers become more deliberate in how we spend our time, money, and life energy.

Perkins’ emphasis on experiences over things and “return on enjoyment” resonated with what I’ve learned, but he framed them in a way that gave more urgency to the concept and suggested tools to actually make that happen.

He perfectly puts into words the dilemma of health, money, and time and how we rarely have all three—and what to do about that. Much of what we want to do is best done while we are young or in the middle of our life, not the end! As Perkins says, “You retire on your memories.”

I appreciate such a different perspective that has been a catalyst for reevaluating how I save, spend, and what I want to accomplish in my life.
Profile Image for Marien Dille.
110 reviews3 followers
September 10, 2022
if you ever see that I finished a nonfiction book, specifically a self-help book, I need you to know that I skim-read half of it. it’s fine it’s whatever. I probably read it for a book club so the gaps were filled in.
anyways I had mixed feelings about this, as I usually do about self-help books. I love the overall idea! it’s made me think more intentionally about how I spend my money and my time, and it’s encouraged me to branch out in what a successful life is. I esp love the idea of memory dividends - that just like monetary investments can bring dividends in the future, when you spend your money on meaningful experiences for you and your loved ones, then you get memory dividends to enjoy the rest of your life. I like that it emphasizes there is NO point in having money for money’s sake.
however respectfully the man is kind of a psychopath. I trust him 0%. encourages broke 20-something’s taking out $10k from loan sharks to travel around Europe for two months (you’ll make it back!!!) instead of saving any money, considered “renting out a private island for his birthday party (twice)” a reasonable way to spend money, etc. I had a really hard time with the fact that he is so absurdly wealthy and telling people that they will certainly make more money in the future - that was true for him, but how many people is that actually true for? what about saving for the future????? what about emergencies - lost jobs and insane medical bills and recessions and car crashes??? what about people who have no one to fall back on if they can’t pay back the $10k and are destroyed by the crushing debt that ensued???? it brought up a lot of questions about the *personal* morality of spending so much money on experiences when so many people aren’t deciding between investing $10000 and spending it on a lavish Europe trip that they’ll remember forever - they’re deciding if they should pay rent or buy their kids school supplies, to buy groceries or utilities. it’s confusing to me, and I don’t think I have a good answer yet. I don’t think it’s necessarily bad to spend money on cool things like that, but it also made me uncomfortably aware of the privilege I have to be able to have such pleasant trade-offs when so many don’t. I think I need to maybe just apply the general principle in a way that feels more aligned with the kind of person I want to be and let go of his more audacious claims before I get more upset haha.
anyways, I could ramble forever about this. end opinion: it made me realize experiences > money (to a reasonable extent) and it made me angry.
Profile Image for Amy.
77 reviews
December 26, 2021
This book has some interesting ideas about spending your money during your lifetime to die with zero, instead of being afraid to spend all your money. It also goes through some of the objections people would have about the financial concept.

However, I have a few main concerns:
1) This could have been a Youtube video or single article. I found the chapters very repetitive. Each chapter could be a paragraph or two, honestly.
2) This book only applies to a very specific margin of people - mainly upper middle class. It does not apply to the ultra wealthy or the many people who live paycheck to paycheck to get by.
3) Suggesting to everyone multiple times that they should go into debt to go on vacation is irresponsible in my opinion. Not everyone has the financial experiences that the author did of increasing their income tremendously over their lifetime and being able to easily pay off such debts in the future.
4) Waving away people's concerns over wanting to save extra money in order to pay for healthcare when they're older seems insensitive given the author is American. I'm not American (Canadian here), but from what I've heard of the American health care system, I can understand people's concerns about saving for medical expenses. Plus, not every medical expense can be solved by keeping healthy and getting medical insurance (which are the author's two suggestions for this).
5) Suggesting that people don't need to really start thinking about saving for retirement until their 40's/a bit later in life (and use their earlier years to enjoy experiences) is irresponsible again. It takes away the decades that their retirement savings could compound, meaning they could have saved less earlier to get the same result. But also, many people aren't able to put off saving for retirement because their financial situations simply don't allow for it.

All in all, I have mixed feelings.
Profile Image for Stephanie.
64 reviews1 follower
May 6, 2021
This book is written by a millionaire for millionaire. If you are in the middle class category don’t bother reading this because it’s depressing. This guy repeats himself throughout the entire book and talks about making the most of your life by traveling and enjoying life experiences, which is great...if you are a millionaire!! He says spend that money, but also make sure you save a million for retirement 🤔 great book if you are a millionaire, if not pass!
3 reviews1 follower
May 8, 2021
This book presents a good "other-side" argument to the prevalent FIRE culture, where you save as much as possible in your younger years so that you can retire earlier and enjoy the fruits of your labor. Bill argues that your time on earth and health diminish as you age, so you actually may not want to save every-single-penny, and spend more on experiences early on.

This is a good book overall, but with a fundamental flaw. The premise of the whole book is that the goal of life is to collect memories / experience points. I am not sure I agree with it. I would have liked this book even more if Bill had spend more time discussing the philosophy of this "goal". Why is creating more memories a better goal than having an impact? Why not leave a legacy instead? Why not be happy? There are a lot more possibilities as the "goal of life", and Bill could have made this book much better had he addressed this issue.
August 16, 2021
This book is for a very select group of people. If you are a money hoarder who feels guilty spending money and finds comfort in saving endlessly for a rainy day this book is for you. I struggled deciding what to rate this book because there are great tidbits of information but also some cringe worthy advice. I highly disagree with a young adult quitting their job, taking a loan out for more than half their annual income to travel Europe with the intent they will make more money when they are older and pay if off later.
On the bright side, I am guilty of being an over-saver and this book gave me a new perspective on living in the now while healthy and new ideas on planning for the future. I loved the suggestion of separating your life into three stages, the go-go years, the slow-go years and the no-go years and setting different retirement goals and financial budgets for the various time periods.
Profile Image for Sandy.
67 reviews
April 17, 2021
This is the most life changing book I have ever read.

I usually don't say that about self development books, but this one hits different. Everything Bill Perkins writes to us makes sense, and he uses logic to prove it to us.

His thoughts have always came across my mind, but he explores it in a grander scheme. I got many insights out of this book, and I highly recommend everyone to read it.
December 29, 2020
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.
Profile Image for Manas Saloi.
275 reviews705 followers
January 31, 2022
The book is too long for the ideas it has. Still giving 4 stars because the ideas are pretty novel and I am seriously considering dying with zero now.
Profile Image for Oto Bakradze.
454 reviews32 followers
February 7, 2021
ბევრი წიგნი წამიკითხავს სამოტივაციო თუ ცხოვრებისეულ შეხედულებებზე, მაგრამ ეს წიგნი სულ სხვა პერსპექტივით გახედებს დანაზოგებზე, ფულსა თუ ზოგადად ცხოვრებაზე.
წიგნის მთავარი იდეა ისაა, რომ არ მოკვდე ისე რომ გამოუყენებელი ფული გქონდეთ ბანკის ანგარიშებზე და დახარჯო ის შესაბამის დროს გამოცდილებების მისაღებად, რადგან life is a sum total of experiences. და გადავადებული საქმე, რომ მოდი 65 წლამდე ფულს დავაგროვებ, შემდეგ მუშაობას თავს დავანებებ და ამ ფულს დავხარჯავ ცხოვრების ბოლომდე არასდროს არ ამართლებს, რადგან ასაკში უკვე არც იმის ჯანმრთელობა გაქვს, რომ ფიზიკური აქტივობებით დაკავდე ახალი გამოცდილებების მისაღებად და არც ისეთი სურვილი სიახლეების მიღების, როგორიც ახალგაზრდობის წლებში გექნებოდათ,რადგან სურვილის გადავადებული ასრულება, იგივე შინაგან ემოციას არ დაგიტოვებთ, რასაც დაგიტოვებდათ სურვილის გაჩენის მომენტში.
და თუ დაუხარჯავ ფულს უტოვებთ შვილს ან რომელიმე საქველმოქმედო ორგანიზაციასა თუ ნათესავს, სჯობს იმ მომენტში მისცეთ მათ ეს ფული, როცა ყველაზე მეტად სჭირდებათ და არა მაშინ როცა ასე თუ ისე ფინანსურად დამოკიდებულები არიან და თქვენი ფული დამატებითი ბონუსის სახეს შეიძენს.

კიდევ ბევრი კაი მომენტია წიგნში, მაგრამ მთავარი სათქმელი ეგაა Die with Zero!

მოკლედ მარტივი ენით დაწერილი, არასტანდარტული წიგნია.
Profile Image for Mafalda Viana.
27 reviews1 follower
December 22, 2022
This is definitely a book for privileged people - with enough disposable income to be able to worry about what to do it. With that said, this was actually a very interesting read. It goes against a lot of the financial advice out there as it sees money as a means to an end rather than the end itself. I didn’t wholeheartedly agree with everything the author said and some topics could have been explored a bit more thoroughly but overall the author makes a compelling and logical argument.

"The premise of this book is that you should be focusing on maximising your life enjoyment rather than on maximising your wealth. Those are two very different goals. Money is just a means to an end: Having money helps you to achieve the more important goal of enjoying your life. But trying to maximise money actually gets in the way of achieving the more important goal."
Profile Image for Daniel Hageman.
324 reviews40 followers
July 28, 2021
Definitely some much-needed gems in here, excluding some of the well-intentioned but misguided thoughts about charitable giving and the timing of gifts to dependents. Putting this lifestyle into practice, I suspect, is more difficult than some might realize.
Profile Image for Daniel Milford.
Author 7 books19 followers
April 2, 2023
Jeg valgte denne boken som en bevisst motvekt til alle «sånn blir du rik»-bøkene jeg fôrer huet med. Jeg var ikke forberedt på at forfatteren er en gedigen tosk. En nedlatende, selvopptatt milliardær-tosk, som viser at han verken forstår rentesrente-effekten eller … mennesker, egentlig.

Bunnpunktet var da han kritiserte en avdød kvinne for at hun hadde levd sparsomt og hadde testamentert formuen sin til veldedighet, fordi dette var suboptimalt og hun burde gitt den veldedige organisasjonen penger mye tidligere.

Til å være så opptatt av at du ikke skal kaste bort tiden din, men bruke pengene dine på positive opplevelser, er det ironisk at han har tar betalt for en ekstremt repetitiv drittbok som kunne vært en kort punktliste.

Nå må vi snart gjøre noe med alle disse amerikanske sakprosabøkene som er ti ganger for lange.
45 reviews
July 23, 2022
Cool concept. Live your life to the fullest by doing experiences when you're most physically able, rather than when money is abundant. Though quite privileged as it assumes you have fair amounts of money at younger ages and kinda recommends not investing for retirement which is questionable. Overall good book with novel ideas and made me think about making the most of my money and my time.
Profile Image for Dylan Murray.
9 reviews
October 12, 2020
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
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