Growth Mindset Psychology: The Science of Self-Improvement

Die With Zero Regrets - Stoic ideas to make the most of your life

Nov 11, 2025

What if enough isn’t a number but a moment? This discussion dives into the idea of living completely to avoid regrets. Instead of hoarding money, it argues for using resources to create meaningful experiences. The concept of time as a currency emphasizes savoring moments that truly matter. It also challenges traditional views on inheritance, suggesting giving while alive maximizes impact. Stoic and Buddhist philosophies are intertwined, encouraging a thoughtful perspective on life and wealth.

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INSIGHT

Life Is Long If You Use It

Seneca observed that life is long if you use it wisely rather than squandering it by acting immortal.
Postponing meaningful activities leads people to realize they spent decades on things they didn't care about.

insights

INSIGHT

Money Is Frozen Life Energy

Bill Perkins reframes money as frozen life energy representing time you traded away.
Accumulating money without spending it on meaningful experiences can mean trading thousands of hours for nothing.

insights

INSIGHT

Time Preferences Are Inconsistent

Hyperbolic discounting explains why we take small rewards now but prefer larger delayed ones when both are in the distant future.
This bias makes us impulsive today yet overcautious about long-term planning, harming mid-life experiences.

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Facing Death and Common Regrets

00:34 • 2min

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Money as Frozen Life Energy

02:08 • 3min

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Why We Misvalue Time and Money

05:08 • 4min

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Memory Dividend: Experiences vs Possessions

09:25 • 5min

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The Middle Path: Intentional Spending

Health-Wealth Curve and Expiring Opportunities

19:05 • 3min

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Rethinking Inheritance Timing

22:07 • 5min

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How to Plan to Die With Zero

Stoic and Buddhist Perspectives on Non-Attachment

31:14 • 3min

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Final Reflection and Life Audit

• Mentioned in 44 episodes

On the Shortness of Life

Seneca

In this essay, Seneca addresses the common complaint that life is too short by arguing that life is sufficiently long if one uses it wisely. He contends that people waste much of their time in luxury, carelessness, and pointless activities. Seneca emphasizes the importance of living in the present, pursuing philosophical wisdom, and avoiding the distractions that make life seem short. He advises readers to organize each day as if it were their last and to avoid procrastination and the preoccupation with future or past concerns.

#33

• Mentioned in 233 episodes

Die with Zero

Bill Perkins

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.

What if “enough” wasn’t a number — but a moment?

This conversation explores the quiet art of leaving nothing essential undone. We talk about the trap of “more” — more savings, more time, more planning — and how it steals the urgency that makes life vivid.

To die with zero regrets isn’t to die empty; it’s to die complete. Like an artist who finishes a painting not because it’s perfect, but because it says what it needed to say. We explore how generosity, timing, and intention turn ordinary years into extraordinary ones. It’s not about consuming your wealth — it’s about converting it into meaning.

Takeaways:

Treat time as your most valuable currency.
Design your life around moments that matter.
Give forward — not backward.

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