Die with Zero presents a provocative philosophy and practical guide on how to get the most out of your money and your life. Bill Perkins argues against over-saving and under-living, advocating for investing in experiences early and maximizing positive life experiences. The book introduces concepts like 'time-bucketing,' 'net worth curve,' and 'fulfillment curve' to help readers optimize their life stages and make the most of their resources. Drawing from his own life experiences and insights from psychological science and behavioral finance, Perkins makes a compelling case for living large and accumulating memorable experiences rather than wealth.
In 'Four Thousand Weeks', Oliver Burkeman offers a contrarian approach to time management by focusing on the finite nature of human life. Assuming an average lifespan of 80 years, the book calculates that we have approximately 4,000 weeks to live. Burkeman argues against the modern fixation on productivity and efficiency, instead advocating for embracing the limits of time and prioritizing what truly matters. The book draws on insights from ancient and contemporary philosophers, psychologists, and spiritual teachers to help readers construct a more meaningful life by accepting and working within the constraints of time. It addresses issues such as the efficiency trap, the pitfalls of convenience culture, and the importance of living in the present while acknowledging the unpredictability of the future[3][4][5].
This book offers a holistic approach to personal finance, encouraging readers to view money as a form of 'life energy' and to align their spending with their values. It provides nine steps to help readers stop living paycheck to paycheck, get out of debt, and achieve financial independence. Key concepts include calculating net worth, evaluating the life energy spent on work, and investing wisely. The authors emphasize the importance of finding one's 'point of enough' and living a more deliberate, meaningful life[1][3][5].
In 'Tiny Habits,' Dr. BJ Fogg presents a breakthrough method for habit formation based on 20 years of research and his experience coaching thousands of people. The book introduces the 'Behavior Design' approach, which emphasizes the importance of motivation, ability, and prompts in creating new habits. Fogg's method, known as the ABC (Anchor, Behavior, Celebration) method, involves anchoring new habits to existing routines, performing the behavior, and celebrating each success to reinforce the habit. The book provides step-by-step guides and practical techniques to make habit formation easy, enjoyable, and rewarding, helping readers to increase productivity, reduce stress, and improve overall well-being.
In 'The Infinite Game', Simon Sinek distinguishes between finite and infinite games. Finite games have known players, fixed rules, and a clear endpoint, whereas infinite games, like business and life, have no defined endpoint and are played to continue the game rather than to win. Sinek argues that leaders who adopt an infinite mindset, focusing on a 'Just Cause', building 'Trusting Teams', having 'Worthy Rivals', practicing 'Existential Flexibility', and showing the 'Courage to Lead', will build stronger, more innovative, and resilient organizations. The book uses real-world examples to illustrate the benefits of an infinite mindset and the pitfalls of a finite mindset in business and leadership[1][2][5].
In 'From Strength to Strength', Arthur C. Brooks addresses the inevitable decline in abilities that comes with aging and provides a practical guide on how to transform this period into an opportunity for growth. Drawing on social science, philosophy, biography, theology, and eastern wisdom, as well as interviews with everyday men and women, Brooks advocates for refocusing on priorities such as deep wisdom, detachment from empty rewards, connection and service to others, and spiritual progress. He argues that by adapting our expectations and focusing on these areas, we can achieve increased happiness and purpose in our later years.
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Bill Perkins is one of the world’s most successful hedge fund managers and entrepreneurs, and the author of the bestseller, Die With Zero. In this episode, Bill unpacks the Die With Zero philosophy which challenges conventional thinking related to the balance between health, wealth, and time—the three variables important for fulfillment. Bill makes the case that we should strive for maximum net fulfillment rather than net worth (or even health). He argues that we need to optimize our life to have memorable experiences before it’s too late and that most people are over-saving and under-living. Bill also explains how one can apply the principles in Die With Zero to break out of “autopilot” and optimize their life to achieve maximum net fulfillment.
We discuss:
- Bill’s upbringing, background, and first job on Wall Street [2:45];
- A missed experience and feeling of regret that shaped Bill’s thinking [13:45];
- Thinking in terms of time, and the relationship between money, time, and health [16:30];
- Solving for net fulfillment and allocating your time based on the seasons of life [26:45];
- How Bill thinks about risk, opportunity costs, and the difference between fear and risk tolerance [35:00];
- Optimizing for fulfillment, finding purpose outside of work, and more [41:15];
- Thinking about the order of experiences you want to have based on seasons of life [49:30];
- Bill’s unique perspective on philanthropy and a more impactful way to give money away [54:15];
- Applying the principles in ‘Die With Zero’ to maximize fulfillment [1:03:30];
- How to break out of living life on autopilot [1:13:45];
- When should your net worth peak? [1:17:30];
- Taking calculated risks [1:21:00];
- Bill shares a lesson from his incredible birthday [1:24:45];
- How Bill’s philosophy has evolved since writing Die With Zero [1:33:30]; and
- More.
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