Die with Zero: Getting All You Can from Your Money and Your Life
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- Create Date：2021-04-04 11:57:33
- Update Date：2025-09-06
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- Author：Bill Perkins
- ISBN：0358099765
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Summary
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。
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。
Reviews
MK Trotta
，
Thank you to @outreachdiewithzero & @billperkins for the gifted copy of this book in exchange for an honest review。 Wow！ This book has me thinking deeply about my future savings and how to balance the “now” with the “later”。 Bill Perkins gives us several ways of ensuring we are living our life to the fullest， while we still have the ability to enjoy certain activities。 He explains why being present should be our biggest priority。 While I can say that I didn’t agree with every point he made， and Thank you to @outreachdiewithzero & @billperkins for the gifted copy of this book in exchange for an honest review。 Wow！ This book has me thinking deeply about my future savings and how to balance the “now” with the “later”。 Bill Perkins gives us several ways of ensuring we are living our life to the fullest， while we still have the ability to enjoy certain activities。 He explains why being present should be our biggest priority。 While I can say that I didn’t agree with every point he made， and cringed a bit when thinking about not really saving until your 30’s， I do think that everyone should read this book to decide for themselves what concepts work for them。 There are certain aspects that everyone should think about and even if you don’t truly believe with “dying with zero”， I think we can all be on board with living our current lives to the fullest。 This is a much different way of thinking about your $$$ and definitely has me deep in thought。 。。。more
Booksandcoffeepleasemx
，
“In the end， the business of life is the acquisition of memories。”Interesting and insightful， Die With Zero is a guide on how to spend money and why is important to invest in experiences instead on saving it all。Overall it was an original and different approach， with a good message。“A Common-Sense Guide to Living Rich…。Instead of Dying Rich”Thank you @outreachdiewithzero， @diewithzero and @billperkins for this ARC。http://www。instagram。com/booksandcoff。。。 “In the end， the business of life is the acquisition of memories。”Interesting and insightful， Die With Zero is a guide on how to spend money and why is important to invest in experiences instead on saving it all。Overall it was an original and different approach， with a good message。“A Common-Sense Guide to Living Rich…。Instead of Dying Rich”Thank you @outreachdiewithzero， @diewithzero and @billperkins for this ARC。http://www。instagram。com/booksandcoff。。。 。。。more
Jackie
，
Some food for thought。 In general， I don't disagree with him or his philosophy。 Some things that I will look into: annuities and long term care insurance。 But。 So so so so so repetitive。 And his early awakening-type story assumes a level of privilege I can't even understand。 Everyone needs an emergency fund！ Some food for thought。 In general， I don't disagree with him or his philosophy。 Some things that I will look into: annuities and long term care insurance。 But。 So so so so so repetitive。 And his early awakening-type story assumes a level of privilege I can't even understand。 Everyone needs an emergency fund！ 。。。more
Ruby Escalona
，
This book makes you think more about spending your hard earned money on experiences than saving it。 It's a great concept but。。。。。 this is coming from an author who is a multi-millionaire and spent a spectacular amount of money for his 45th birthday （flying friends/family to St Bart's， blocking a hotel and flying an artist for a private concert）。 While it is such a good concept， the latter part of the book really turned me off。 The part where one's peak earning potential is based on health and on This book makes you think more about spending your hard earned money on experiences than saving it。 It's a great concept but。。。。。 this is coming from an author who is a multi-millionaire and spent a spectacular amount of money for his 45th birthday （flying friends/family to St Bart's， blocking a hotel and flying an artist for a private concert）。 While it is such a good concept， the latter part of the book really turned me off。 The part where one's peak earning potential is based on health and on the age of a person。 For someone who does not earn a consistent 6 digit （or even a 7 digit） salary， not everyone can start spending the nest egg because there might not be as much of a nest egg available。 It's a bit first world problems， and catered only to western societies。 If you are struggling to make ends meet， or are lower middle class， then this book is probably not for you。 There are many ways to 'hack' experiences and get them for cheap or for free， so one does not have to spend so much money chasing experiences yearly。I like the message in the first 2/3 of the book， though， so 4/5 stars。 。。。more
Heidi
，
It's not about the finances （really， it's not--this is not the book for that）， it's about the attitude of intentionally living your collective and best life before you're dead。 It's not about the finances （really， it's not--this is not the book for that）， it's about the attitude of intentionally living your collective and best life before you're dead。 。。。more
Gary
，
It was nice to read a personal finance book that wasn't in one of the usual camps of "save lots and retire （possibly early）" or "start a business and with my advice and some luck you might get rich"， and the general idea of spending money on experiences while you're still able to enjoy them is a good one。 It certainly encouraged me to live a bit more while I'm still relatively young and worry a little less about my savings rate， at least once the pandemic is over， and made me feel a bit less reg It was nice to read a personal finance book that wasn't in one of the usual camps of "save lots and retire （possibly early）" or "start a business and with my advice and some luck you might get rich"， and the general idea of spending money on experiences while you're still able to enjoy them is a good one。 It certainly encouraged me to live a bit more while I'm still relatively young and worry a little less about my savings rate， at least once the pandemic is over， and made me feel a bit less regret about my lack of career focus and my bad financial decisions in my twenties。The author does fall into the usual trap of attacking a slight straw-man in order to make his idea seem unique and different， in this case the idea that a majority of people are too focused on saving for the future at the expense of present enjoyment。 Maybe this is true for a certain segment of the American middle class， but my perception at least in the UK and Europe is that most people "live for the now" and overspend and undersave， and planning for retirement is the exception rather than the rule。 But that exception certainly exists， and it's a great message for those in it （including me） to find a balance。The advice to not save and to even consider getting into debt to have experiences when you're young sounds a little crazy， but it just reminds me of an old friend who maxed out all her low-interest student overdrafts and credit cards in order to do lots of travelling before she had to deal with the responsibilities of the real world， knowing that her job prospects were good and she'd be able to pay back the debt。 It's a risk that I wouldn't have taken， but it worked out and I can only respect the choice！The book was longer than it needed to be。 The chapter on children and charity， for example， could have been summed up in a couple of sentences and just felt like the author expending undue effort to defend himself against people who hadn't bothered taking the time to understand his message properly。 。。。more
Michela
，
Die With Zero a good book and I generally agree with the author。 We can't take money with us and we should enjoy our lives while we can。However， I felt the author spent too much of the book trying to convince the reader his idea is worthwhile， and could have spent more time discussing the finances behind dying with "zero" Die With Zero a good book and I generally agree with the author。 We can't take money with us and we should enjoy our lives while we can。However， I felt the author spent too much of the book trying to convince the reader his idea is worthwhile， and could have spent more time discussing the finances behind dying with "zero" 。。。more
Craig Thomas
，
Changed my perspective。 I was all in for a frugal， lean FIRE life until I read this book。 I'm still looking to gain financial independence but be conscious of my savings。 It will not be at the detriment of my life experiences。 Changed my perspective。 I was all in for a frugal， lean FIRE life until I read this book。 I'm still looking to gain financial independence but be conscious of my savings。 It will not be at the detriment of my life experiences。 。。。more
Sue Hedin
，
Worth reading。 Excellent advice。
Quinton
，
He’s not saying smoke your money but enjoy your life。 This is not most people’s problem。
Mike
，
The very narrow range of people this book will apply to and be a revelation are unlikely to read it （too busy working 60-hour weeks on Wall Street， probably）。 Any person who actually decided to read this will likely find information that they already know interspersed with irrelevancies。
Sarah K
，
I found the overall concept very interesting and it definitely will change my short- and long-term financial plans。 But I found the organization confusing and felt the structure and language didn’t do this idea justice。 That being said， the chapter on giving your “inheritances” intentionally - and before you die - could be an entire book of it’s own。 I loved that section and appreciated that I’m not the only one who believes waiting until you’re dead （date unknown and unknowable） to give your fa I found the overall concept very interesting and it definitely will change my short- and long-term financial plans。 But I found the organization confusing and felt the structure and language didn’t do this idea justice。 That being said， the chapter on giving your “inheritances” intentionally - and before you die - could be an entire book of it’s own。 I loved that section and appreciated that I’m not the only one who believes waiting until you’re dead （date unknown and unknowable） to give your family the money you worked for THEM to have is kind of cruel。 Though I don’t plan to die with zero， I do plan to choose important moments in my children’s lives to give them their “inheritances” when they’re young enough to enjoy them！ 。。。more
Tyler
，
The author seems like a giant tool， but there are a lot of interesting ideas in here。 The perfect book for me to read right now， as I am trying to figure out where my life is headed。 The book spends a lot of time talking about money as related to time and health， and how to balance those three to achieve an optimal life （which the author defines as having great experiences and memories）。I’ll definitely download the app and play around with it。
Jay
，
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 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。 。。。more
Charlie
，
This book changed my thinking completely。 I spent a lifetime building and accumulating。 Bill Perkins， the author， told me it is time to decummulate。 Spend the money on enjoying the life I have left。 Spend it on things I want to do and experiences I want to have。 This includes giving the money away to the kids while they can still enjoy it and to the charities， we choose to support and work with。He also outlines my time remaining as go-go， slow-go， and no-go years。 Using these buckets， determine This book changed my thinking completely。 I spent a lifetime building and accumulating。 Bill Perkins， the author， told me it is time to decummulate。 Spend the money on enjoying the life I have left。 Spend it on things I want to do and experiences I want to have。 This includes giving the money away to the kids while they can still enjoy it and to the charities， we choose to support and work with。He also outlines my time remaining as go-go， slow-go， and no-go years。 Using these buckets， determine the experiences Kathy and I want to share， knowing we need to frontload the high-level activities into the go-go years。 Give this book a read now， while you still have time。 More importantly， while you are in your 20's， 30's， and 40's。 I wish I was exposed to this concept earlier in my life。 I've always been someone who loves to work and make money。 But not someone who knew how to enjoy it。 That's why God gave me Kathy！ 。。。more
Alissa Avrutina
，
Quite a lot of repeats。。。 but still good points in an epoch of FIRE movement
Kathreadya
，
I was intruigued by the premise of this book， since I was brought up to suffer and save money while you're younger so that you can be comfortable while you retire， and while this book seems to promote the oppsosite， that's not exactly what author Bill Perkins is saying。 Instead， while he states that saving is important， he want's readers to make sure they are enjoying events and activities while they are younger and more physically fit。 He wants to make sure we will have fond memories to enjoy w I was intruigued by the premise of this book， since I was brought up to suffer and save money while you're younger so that you can be comfortable while you retire， and while this book seems to promote the oppsosite， that's not exactly what author Bill Perkins is saying。 Instead， while he states that saving is important， he want's readers to make sure they are enjoying events and activities while they are younger and more physically fit。 He wants to make sure we will have fond memories to enjoy while we retire， while also saying we need money to care for ourselves in retirement。 He does mention early on that this message is only applicable to peoples with a decent amount of expendable income， which in this economy is sadly not many。 Though I liked that he focused on activities that will bring you the most life fulfillment， not on expensive things to look at。 He even mentioned looking into free activities in your community， which is something I did a lot before this pandemic。 Overall， I appreciate his philosophy and will definitely try to become more mindful about what and how I'm spending my money。 I received this book in exchange for an honest review。 。。。more
Kris
，
“The key takeaway， I now realize， is to strike the right balance between spending on the present （and only on what you value） and saving smartly for the future。”This book speaks to my soul ☺️。 I have ALWAYS had this mentality， whereas my husband is definitely of the mindset that we must save the maximum for retirement。 Well。。。what if we don’t make it to retirement？ I ask him this often。 We work in healthcare so death is ever present and something that is always at the forefront of our minds。 So “The key takeaway， I now realize， is to strike the right balance between spending on the present （and only on what you value） and saving smartly for the future。”This book speaks to my soul ☺️。 I have ALWAYS had this mentality， whereas my husband is definitely of the mindset that we must save the maximum for retirement。 Well。。。what if we don’t make it to retirement？ I ask him this often。 We work in healthcare so death is ever present and something that is always at the forefront of our minds。 So we save but we also take those dream vacations。 We work hard and we want to enjoy our lives while we are healthy enough to do so。 This book is a wonderful look into the ways that you can truly live with the money you’re making while also planning for your future。 So， if you can afford it， take those vacations。 Go out to dinner with your loved ones。 Make memories 💝。 Experience your life！ “Remember: In the end， the business of life is the acquisition of memories。 So what are you waiting for？” Thank you to the author and publisher for this gifted copy in exchange for an honest review。 。。。more
Paul McC
，
I thought this book represents a unique perspective for those interested in financial independence and is a breath of fresh air as far as laying out intentional living。 The FI community really focuses on delaying gratification and Bill hits the nail on the head how to do that properly and within reason。 He has recommendations and exercises to help explain。
Sarah
，
As a lifetime saver， this book is helping me to move beyond my survival mindset。 Not everything he said fits my life， but I will take what I need and leave the rest。
Angel White
，
I'm torn on the rating for this one， and went with 3。5 rounded to 3 stars。 Overall I mostly enjoyed this one as on one hand I agree with some of what this book encourages。 On the other hand it's not meant for people with incomes like me。。。or most people for that matter。。。and I felt this should have been marketed better towards the target audience （which the author does state in the beginning is for people with larger incomes）。The writing style was pretty much what I expected for books in this ge I'm torn on the rating for this one， and went with 3。5 rounded to 3 stars。 Overall I mostly enjoyed this one as on one hand I agree with some of what this book encourages。 On the other hand it's not meant for people with incomes like me。。。or most people for that matter。。。and I felt this should have been marketed better towards the target audience （which the author does state in the beginning is for people with larger incomes）。The writing style was pretty much what I expected for books in this genre。 Clinical and textbook style。 That doesn't bother me so I don't have any qualms with the writing。 I enjoyed the stats and charts provided as sometimes a visual with this type of subject is immensely helpful。I am not rich， in the monetary sense， so I don't have tons of money sitting in an account to spend down to zero before I die。 To some degree， there are ideas in this book that I already follow。 I don't save and horde in fear of no future income or in case of a medical emergency。 I save as a practical approach for my future retirement and enjoyment。My husband and I spend what we earn while keeping enough to sustain us if we need it。 We go on vacations a couple times of year to spend time with loved ones。 We upgrade our home to increase our comfort levels。 We help our kids with money when they need it。 We enjoy Alaska to the fullest in the summer and in the winter we stay in and plan our next trips。I believe that's the overall goal of this book。 To equip those who don't have this type of thinking with ways they can accomplish having stability and the experiences of living。 People who work incessantly， miss out on their children's lives， miss out on enjoying their spouses， family and friends。。。on experiences their time could be better spent on。。。this book is for them。A review copy was provided by the publisher。 While a written review after reading was not required， I have provided one。 All opinions expressed herein are mine and mine alone。 。。。more
Sad Sunday （If I say it's bad， it's bad）
，
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！ Y 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！ 。。。more
Dallas Shattuck
，
I’ve read a few financial books over the past few years， and Die With Zero was one of the most unique。 Some of the most common pieces of advice I always hear are “start saving for retirement” and “make sure you’re saving your extra money”。 Which。。。I do， but I also think it’s important to enjoy life and not deprive myself of things that bring me joy （e。g。 books， Starbucks）。 So I appreciate the author’s perspective on making sure we are saving for retirement and the rest of our lives， while making I’ve read a few financial books over the past few years， and Die With Zero was one of the most unique。 Some of the most common pieces of advice I always hear are “start saving for retirement” and “make sure you’re saving your extra money”。 Which。。。I do， but I also think it’s important to enjoy life and not deprive myself of things that bring me joy （e。g。 books， Starbucks）。 So I appreciate the author’s perspective on making sure we are saving for retirement and the rest of our lives， while making sure we aren’t depriving our lives of joy by only working and accumulating more money than we could ever spend。 I think I read this book at the perfect time in my life， as my husband and I are a few years into our careers and working on our long-term goals。 Making sure we take trips， spend time with our kids， and have fun is definitely on top of our list after reading this book！This book isn’t for everyone， and I appreciate the author making that clear at the beginning。 There were a few points that seemed repetitive， but it really emphasized the author’s point。 Overall， if you’re looking for a fresh perspective on money， retirement， and living life to the fullest， then you should check out Die With Zero！Thanks to @billperkins and @outreachdiewithzero for a signed copy of this book in exchange for an honest review。 。。。more
Emily Grubbe
，
Die With Zero by @billperkins presents somewhat non-traditional advice for a book of its genre: spend your money on valuable experiences now instead of saving for a rainy day that may never come。 Perkins’s philosophy is interesting and valuable， but I do think it’s meant for readers with a much higher income than myself。 I definitely understand the importance of experiences and travel （and I’m lucky to have a job that incorporates these things！） but it still read a bit above my tax bracket。 I al Die With Zero by @billperkins presents somewhat non-traditional advice for a book of its genre: spend your money on valuable experiences now instead of saving for a rainy day that may never come。 Perkins’s philosophy is interesting and valuable， but I do think it’s meant for readers with a much higher income than myself。 I definitely understand the importance of experiences and travel （and I’m lucky to have a job that incorporates these things！） but it still read a bit above my tax bracket。 I also didn’t appreciate the dieting tips/comments throughout - they were completely unnecessary and could be triggering。 I did， however， really enjoy the book’s organization and recommendations at the end of the chapters。 It was a quick read and provided a different angle of financial planning。 Thanks @outreachdiewithzero for this #gifted copy in exchange for an honest review！ 。。。more
Come_read_with_me_
，
I enjoyed the concept of this book and the beliefs behind them。 Basically， in a nutshell， this book explains that money can be valued as experience。 Some people live their whole life saving but never get to spend anything。 Bill Perkins explains， the best way to live is to save， yes， but use some throughout your life。 Gather your experience。Like I said I enjoyed the concept of this book and the way in which Bill explains his Die with zero theory。 If I'm honest， the ideas were great， but I wanted I enjoyed the concept of this book and the beliefs behind them。 Basically， in a nutshell， this book explains that money can be valued as experience。 Some people live their whole life saving but never get to spend anything。 Bill Perkins explains， the best way to live is to save， yes， but use some throughout your life。 Gather your experience。Like I said I enjoyed the concept of this book and the way in which Bill explains his Die with zero theory。 If I'm honest， the ideas were great， but I wanted more。 This book doesn't teach us how to "get more money"。 It basically tells us when is the best time to spend it。 Also， this book is primarily directed to the American population。 There were a few terminologies and savings account that， as an Irish person， I was unfamiliar with。Overall， it was a good book and I do agree with some aspects of it。Thank you to the author for providing me with a copy of this book in exchange for an honest review。 。。。more
Marco
，
I mean， I guess。I dislike books like this because they presume that 1 - you might have a lot of money and that 2 - you should selfishly spend it because you can't take it with you。The third， and most important， reason I dislike this book is because it's a real downer。 The author constantly talks about dreams as if they are unachievable after a certain age and that the time for taking chances is when you are younger。I think he's coming from a place that says this because at younger ages you have I mean， I guess。I dislike books like this because they presume that 1 - you might have a lot of money and that 2 - you should selfishly spend it because you can't take it with you。The third， and most important， reason I dislike this book is because it's a real downer。 The author constantly talks about dreams as if they are unachievable after a certain age and that the time for taking chances is when you are younger。I think he's coming from a place that says this because at younger ages you have less responsibility - families， job retirements， and so forth - that could get in the way of those dreams。But I know life is all about reinvention。 You don't have to be the same thing you were 10 years， 5 years， or 1 day ago。It might just be that that this book is not intended for me， it's for all the people who think that money will buy you happiness （even though the book says that's not the message）， but this book isn't really trying to say that in such a crude way。Most of these books are written by someone who usually has already seen the other side of their dreams and they forget what it looks like for someone still trying。There are a lot of personal anecdotes that I couldn't connect to his stance on how to utilize money and not really any real step-by-step advice to get you to that point where you can have enough to go with zero。A fluff piece for entrepreneurs to tote around and reference when selling their systems that don't work。 。。。more
Manas Saloi
，
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。
Jody Pulcheon
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This book is great。 It makes total sense。 Don't waste your life， do the things！Growing up with three siblings， my parents were thrifty， but we also had so much fun together。 Sports， theme parks， adventures， camping， animals， a cruise， and road trips。 I'm so thankful for the memories and the time we have together。 I was sent a free copy。 All opinions are my own。 This book is great。 It makes total sense。 Don't waste your life， do the things！Growing up with three siblings， my parents were thrifty， but we also had so much fun together。 Sports， theme parks， adventures， camping， animals， a cruise， and road trips。 I'm so thankful for the memories and the time we have together。 I was sent a free copy。 All opinions are my own。 。。。more
Rebecca Graham
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DIE WITH ZERO’s title contains its argument: don’t have wealth leftover after you die。 I was skeptical- seemed not to apply to me & also to radiate privilege。 But the author opens the book w/ self-awareness of limitations。 he mentions toward the end that his mother — a Black woman raised in Great Depression — challenged his approach。 this isn’t someone living in a bubble。 I don’t endorse everything， & not all of it applies to me。 I skipped the chapter re: kids bc I plan not to have them。 still， DIE WITH ZERO’s title contains its argument: don’t have wealth leftover after you die。 I was skeptical- seemed not to apply to me & also to radiate privilege。 But the author opens the book w/ self-awareness of limitations。 he mentions toward the end that his mother — a Black woman raised in Great Depression — challenged his approach。 this isn’t someone living in a bubble。 I don’t endorse everything， & not all of it applies to me。 I skipped the chapter re: kids bc I plan not to have them。 still， some worthwhile stuff here。 author introduces balance among 1️⃣health 2️⃣money 3️⃣time。 you want to maximize your meaningful experiences when you have the highest balance/levels of all， which is midlife。 for instance， in my 20s I don’t have much money or time。 intriguing to think ahead though。 I appreciate the constant existential awareness that each individual will die。 notable quotation: “business of life is the acquisition of memories。” exceptionally well-organized & generally well-written。 。。。more
Books Bliss and Biscuits Karolina & Natasha
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