Die with Zero: Getting All You Can from Your Money and Your Life

4.4 4.4 out of 5 stars | 5,582 ratings

Price: 17.32

Last update: 01-09-2025


Top reviews from the United States

some guy
5.0 out of 5 stars Challenges Conventional Financial Advice - worth the read
Reviewed in the United States on February 22, 2024
First things first; this book isn't for everyone. If you don't have disposable income, don't anticipate retiring with a sizeable nest egg, or don't plan to leave an inheritance to anyone when you die, you probably don't need to read this. For anyone that does expect to pass on assets on when the time comes, this is definitely worth the read.

This book challenges the conventional wisdom when it comes to financial advice that says to work for as long as you can and save as much as you can for later in life. Rather than stock piling away money, this book will challenge you to think differently; to be bold but at the same time not be foolish with your money.

Why spend your life working and stashing away money, if you're never going to enjoy it? Why work for as long as possible just to pass on your wealth when you die, when you could spend in now to enjoy life and all of the experiences it has to offer with your loved ones? The idea of leaving an inheritance to loved ones is a noble idea, but by the time that comes, the people you're leaving it to will likely be older and financially stable. If you want to help them, why not help them when they need it most - earlier in life when life's biggest expenses occur (college/mortgage/kids,etc).

It is definitely a scary thought to start giving away/spending your money now when the future is unknown. It requires a lot more planning and thinking about what you will truly need in retirement, but I really enjoyed the ideas in the book and it definitely made me start to think differently about my finances.
Holly Rollins
4.0 out of 5 stars Unique POV
Reviewed in the United States on May 25, 2024
I have enjoyed reading Die with Zero but I don't think it's for everyone. I totally agree with Perkins approach for those who are educated and have saved well. This is not a strategy for those living paycheck to paycheck. The thoughts on considering the value of your time are spot on. I also got a lot out of his perspective that you have the health to enjoy your money when you are younger. I have tried to put a few principles in practice and create memories with my family now.
Robert Garcia
5.0 out of 5 stars Easy, Accurate and Fast
Reviewed in the United States on July 3, 2024
Book arrived as described and quickly - Recommend and will order from seller in the future.

Thanks,
ManSnorkle
5.0 out of 5 stars The Empowering Wisdom of 'Die with Zero'
Reviewed in the United States on January 18, 2024
"Die with Zero" by Bill Perkins is a thought-provoking and unconventional financial guide that challenges traditional views on retirement and wealth management. The book encourages readers to rethink the conventional wisdom of saving for retirement and instead advocates for optimizing spending and experiences throughout life. Perkins argues that the goal should be to "die with zero" regrets, meaning that individuals should aim to enjoy their wealth and experiences while they are still alive, rather than hoarding money for a distant future. The author presents a compelling case for finding a balance between saving for the future and living in the present.

In contrast to Dave Ramsey's "Total Money Makeover," which emphasizes debt elimination and a structured approach to financial planning, "Die with Zero" takes a more holistic and lifestyle-oriented approach. While Ramsey focuses on achieving financial freedom through debt reduction and strict budgeting, Perkins advocates for a dynamic and personalized approach to wealth management. Both books share the common goal of helping individuals achieve financial well-being, but they differ in their strategies and philosophies.

One key distinction is the emphasis on spending in "Die with Zero." Perkins argues that there is a finite window of time to enjoy life fully, and readers should strategically allocate their resources to maximize experiences during various life stages. This perspective contrasts with Ramsey's debt snowball method, which prioritizes debt repayment and delayed gratification. While both approaches have their merits, readers may find themselves drawn to one philosophy over the other based on their personal values and priorities.

Another notable aspect of "Die with Zero" is its exploration of the psychological and emotional aspects of wealth. Perkins delves into the concept of "happiness dollars" and encourages readers to invest in experiences that bring joy and fulfillment. This psychological dimension sets "Die with Zero" apart from Ramsey's more numbers-focused approach, adding a layer of introspection and personal discovery to the financial journey.

In conclusion, "Die with Zero" offers a refreshing perspective on wealth management that challenges traditional notions of retirement planning. Bill Perkins encourages readers to embrace a more dynamic approach to financial decision-making, focusing on optimizing experiences and happiness throughout life. Comparisons to Dave Ramsey's "Total Money Makeover" highlight the diversity of financial philosophies available to readers, allowing them to choose a path that aligns with their individual values and goals. Ultimately, both books contribute valuable insights to the realm of personal finance, offering readers diverse perspectives on achieving financial well-being.
Matthew Klopatek
5.0 out of 5 stars Unique Perspective
Reviewed in the United States on September 15, 2023
Bill Perkins lays out a great case to get the most out of your life by spending time and money on experiences when you can enjoy them. Versus saving a huge pile of money for when you die.

It is a great quick read. Was able to read the 200 page book in just under 3 hours.

A couple other thoughts on it:
1) I think there is nothing wrong with the premise of the book. Most people do try to do more things when they are young and able to. I don’t think a ton of people are saving their lives away because most don’t have enough for the savings bucket when they first start out.
2) there is nothing wrong with striking a good balance between saving and spending. He highlights the 50-30-20 rule, which is a general rule of thumb. Im currently saving 20% while still having fun with my 3 young kids.
3) Bill talks mostly about spending money on experiences, trips, spending time with family. While those are great I think spending more money on material items was completely left out of the book. Buying a nice espresso machine, a 4 kid stroller wagon, or a nice new outfit is another way to get a lot of value out of your money when you desire it the most.
4) I read this book as I was flying out to Portland for a boys hiking weekend. I’m in my young 30’s and glad I am taking the time to do this now.

Overall it’s a great book and a countering perspective to those (like me) who really like to save, save, save!

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