Die with Zero w/ Bill Perkins #1106

37 snips

Feb 25, 2026

Bill Perkins, investor and author of Die With Zero, champions intentional spending to trade time and health for meaningful experiences. He discusses why time beats money, splurging on travel and shared memories, the idea of memory dividends, timing peak net worth earlier, and balancing saving with living now. Short, provocative takes on making life richer through deliberate choices.

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INSIGHT

Time Beats Money For High-Value Experiences

Time is the most precious asset and delaying experiences until old age risks missing high-value life moments.
Bill Perkins says travel and shared experiences make you "richer" and are worth spending on early when health and energy amplify value.

ADVICE

Actively Allocate Time And Money By Life Period

Get off autopilot and explicitly allocate your time, money, and health to what fulfills you in each life period.
Perkins advises splitting resources per time bucket so you don't over-save or under-spend for specific experiences.

ADVICE

Schedule Time-Sensitive Experiences While You’re Fit

Map experiences to optimal ages and reallocate savings to do time-sensitive activities when you can fully enjoy them.
Example: do ski trips when knees and stamina are peak rather than banking them for old age.

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Most money advice is a broken record: save more, invest early, and wait for freedom. But what if the real risk isn't running out of money but instead is running out of time? In this episode, we’re challenging the "accumulation at all costs" mindset with Bill Perkins, author of the cult classic Die With Zero. It turns out that a healthy money relationship isn’t just about building wealth but it’s also about intentional spending. Bill argues that time is the most precious asset we have, and that waiting too long to enjoy it can be a costly mistake because we don’t want to reach the finish line with a full bank account and a lifetime of missed opportunities! We discuss how:

Time is the most precious asset we have
Travel makes you a richer person
Your health impacts your wealth
Timing your life experiences
Memory dividends are inflation protected fulfillment
Delayed gratification as a form of prison
His concept of time buckets
Life is full of risk and we have to decide what's worth it
And much more!

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Bill Perkins: Check out the book yourself: Die With Zero, be sure to not follow (Bill’s own recommendation) on Insta or X, and more resources can be found at the site for the book as well.
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