Die With Zero

Die with Zero forces us to confront the gap between how we manage money and what we actually want out of life. Fulfillment requires three essential actions: investing in experiences early and often, using money as a tool for joy rather than a stockpile for “someday,” and aligning resources with life’s changing seasons. True wealth is measured in memories—the trips taken, the passions pursued, the relationships deepened—not in unspent dollars. Perkins provides practical guidance to plan spending with intention, protect your financial foundation wisely, prevent habit-driven hoarding, and schedule experiences before time, health, and energy slip away. Ultimately, the book advocates living deliberately. Regret grows where fear and procrastination rule. To die with zero is to arrive at the end knowing you fully converted your life energy into a lifetime of meaning.

Bill Perkins is an entrepreneur, hedge fund manager, and high-stakes poker player known for his unconventional approach to life and money. Born and raised in New Jersey, he leveraged a career in energy trading to build significant wealth. His encounters with wealthy individuals who regretted how little they enjoyed life inspired him to rethink traditional financial norms. Perkins lives his philosophy, seeking adventure, meaningful experiences, philanthropy, and personal growth—proving that wealth is a tool, not a trophy. His work encourages others to examine their assumptions and boldly craft a life rich in purpose and memories.