Reflecting on a doctor's advice, the chapter highlights the irreplaceable value of good health for enjoying life's simple pleasures like playing with grandchildren.
Bill Perkins admits he misused his wealth chasing fame and girls before realizing relationships and new experiences truly fulfill him. He cautions against saving excessively for old age, since needs and abilities inevitably decline over time. Instead he recommends mapping out a “spend-down plan” to thoughtfully allocate assets toward desired activities until zero. Ultimately Bill believes maximizing enjoyment of health and wealth boils down to self-understanding.