

Spend Your Money NOW - Before It’s Too Late! (Bill Perkins Final Warning)
Why You Should Spend Your Money Now Instead of Saving it Forever
Bill Perkins shares a radical philosophy: instead of indefinitely delaying gratification for the future, you should spend your money during your peak health and vitality to maximize fulfillment. He argues that money is a tool to exchange your time and open up meaningful experiences in life, but the utility of money declines as you age and your body deteriorates.
Perkins highlights the downside of living in fear of running out of money — it leads to robbing yourself of present joy. He stresses the importance of intentional spending aligned with the experiences you truly want in each phase of life, rather than saving endlessly for a vague future. He also points out that the peak of your net worth should ideally coincide with the peak of your biological health, not late in life when your ability to enjoy money is limited.
This philosophy encourages people to rethink saving vs. spending from the lens of fulfillment and life's finite nature, advocating for spending wisely now to avoid wasting your ride.
Fear Supports Survival Not Thriving
- Fear is a survival tool, not a thriving tool.
- Living in fear of the future robs you of present life fulfillment.
Peak Net Worth and Biological Age
- Net worth should peak based on biological age, not chronological.
- Ability to enjoy money declines with health and physical capacity.