• Die with Zero

  • Getting All You Can from Your Money and Your Life
  • By: Bill Perkins
  • Narrated by: Bill Perkins
  • Length: 5 hrs and 12 mins
  • 4.7 out of 5 stars (474 ratings)

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Publisher's Summary

A Wall Street Journal Best Seller

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.

©2020 William O. Perkins III (P)2020 HarperCollins Publishers

What listeners say about Die with Zero

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This might change your life!

As a financial advisor, I see too many people accumulate large sums of money and not get the joy out of it. Although I don’t necessarily agree with all of the calculations or methods used in this book, the philosophy is priceless.

7 people found this helpful

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A Life Changing Book for a “Saver”

For the past 10 years, our family went from a negative net worth to over $1 million.

That was due in part to our higher than average income and our ability to save and invest about 50% of what we had coming in.

I have been seeking “what’s next” for our family plan and this book opened my eyes to the fact that life is for living.

Life is not about the collection of money but the collection of life experiences. Once you’ve made all the important financial moves, it’s time to enjoy. Thank you for that reminder Bill Perkins.

I’m so glad I found this book at this point in my life. The next few decades look bright for our young family.

5 people found this helpful

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Very Enlightening

Can I say that this book is a life changing experience? I have had many of the same thoughts as I have matured, grown wiser as a single female in my sixties. I will make a real plan not to delay gratification. Time to invest now in more of my own excellent and meaningful life experiences. Fabulous delivery and beautifully written, excellent book! Thank you for sharing.

3 people found this helpful

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Whole book can be shortened in one paragraph!

Life is short, just enjoy your life no matter who you are or what kind of work you do. Get a job you love and spend time and create memories with loved ones. Having money in this equation is bullshit! Money is a good catalyst in the formula but you can resolve the problem without it.

2 people found this helpful

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Game Changer

Die with Zero challenged and changed the way I thought life and retirement would happen. I consumed this in 36 hours and haven't stopped thinking about these ideas. In that time, my attitude and outlook have improved and feel optimistic and the future is exciting. Thank you for sharing these ideas and inspiring me to change the way I live and earn, and for the subtle encouragement to a healthier life. I can't wait to implement and enjoy!!!

2 people found this helpful

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Unimpressive stance on spending until death

In Die With Zero, the author tries to convince the reader that money isn't as important as our path to death. The story is developed from the author's personal experiences, but really feels like it fails to connect with most readers. The sub-tone of the book is you need to have or be making millions now so that you can enjoy life now and provide once gone. I didn't really find anything inspiring or profound in the story the author tries to convey. I feel the same advice can be found for free from random Youtube hawkers more interested in your clicks than in helping you deeply change your perspective.

1 person found this helpful

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WOKE

...read the book in one day. So wish I was bold enough to take the risk earlier, even though I was free spirited and foolish. I did okay when I woke at 50 years of age. ZERO will happen with beautiful memories and what I gave to others along the way. Thank you for writing this book.

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Awful. Even when agree with major premise

To suspend bias, logically and philosophically I agree with the author’s overall premise.

However, the practical advice he solicits, cliche case studies shared, and overall sounding like he’s 20 years old giving life financial advice left me feeling dumber for listening to this.

Enjoy your life now as best you can AND be responsible for your future, dependents, and the legacy you want to live. Far better use of your time and future to read best life advice from 50 year reunion Harvard Grads - google it.

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Mind Opening Book

I like how this book opened my mind to living now and not saving as much as I can for the future. We all know the future is not promised, but we are pushed to save now. This book encourages us to live now in a mindful & strategic way. It offers an idea that we can use to enjoy life instead of live with regrets. Without spoiling the book for future readers/listeners, I will say giving now is more important than giving later in life as well as living now. None of us know if there will be a later.

I don’t have anything bad to say. This book goes straight to the point and finishes strong. I will recommend it to family & friends.

Thank you Bill Perkins for writing this great book. I am from Jamila Souffrant’s podcast.

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Different way to think through finances

Growing up in the Midwest I was taught pretty early on save save save get ready for retirement to enjoy life. But life has a way of emerging on its own terms and thru a series of changes including a divorce and the kids getting older I find myself wondering what it’s all about. Well I didn’t think a book about finances would be beneficial in that regard, but it was highly recommended and I gave it a try.

It really helps frame what we are about and what you should be doing to maximize your life as opposed to just maximizing your financials. Presents arguments in a very clear way using real examples that are germane to people across agent of their life, and was easy to consume in a day.

Highly recommend reading or listening to it