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.
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].
How many of us can honestly say we're making the most out of life? Are we truly harnessing our energy every day to ensure no moment is wasted? Are we wisely investing our time, money, and health to make every second count?
Introducing Bill Perkins, a man dedicated to helping people live fully and find joy in life — before it's too late.
In this thought-provoking episode of The Game Changing Attorney Podcast, Bill and Michael explore:
- How your life is the total of your experiences
- The unconventional financial advice that might transform your life
- Why delaying gratification could lead to your greatest regret
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Show Notes:
02:25 – Why Bill Perkins wrote Die With Zero: Getting All You Can from Your Money and Your Life
04:22 – Who Die With Zero will resonate most with
06:42 – Why the things that fulfill you will change over time
08:28 – How Bill built his financial model (a counterfactual regret minimization algorithm)
10:08 – Why delayed gratification at its extreme is no gratification
12:02 – The power of memory dividends and the ROI on experiences
15:50 – The balance between investing in the future and investing in your well-being today
23:34 – Bill’s message to all the people who say “I love my work, I don’t want to retire.”
32:17 – Economists say “Spend,” and financial planners say “Save.” – who’s right?
33:47 – How to rationalize insurance without sacrificing your present-day fulfillment
39:24 – Why you probably don’t need as much money as you think to fund a great life
45:44 – What a day in the life of Bill Perkins looks like
50:33 – What being a game changer means to Bill Perkins
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Links & Resources
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Past guests on The Game Changing Attorney Podcast include: David Goggins, John Morgan, Alex Hormozi, Randi McGinn, Kim Scott, Chris Voss, Kevin O’Leary, Laura Wasser, John Maxwell, Mark Lanier, Robert Greene, and many more.
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The Game Changing Attorney Podcast with Michael Mogill 
