title: [Book Sharing] Die with Zero
published: false
date: 2025-08-03 00:00:00 UTC
tags:
canonical_url: https://www.evanlin.com/reading-die-with-zero/
---
[](https://moo.im/a/fmxPSZ "別把你的錢留到死")
別把你的錢留到死
懂得花錢，是最好的投資——理想人生的9大財務思維
Die with Zero : Getting All You Can from Your Money and Your Life
作者： 比爾．柏金斯
原文作者： Bill Perkins
譯者： 吳琪仁 出版社：遠流出版
#### Purchase Recommendation Website:
- Readmoo: [Buy from here](https://moo.im/a/fmxPSZ).
# Preface:
This is the 5th book I've finished reading in 2025. The pace of reading this year has mostly been to read a book and then immediately jump to another one. Recently, I've started to finish some books one after another, and the speed at which I finish books will be even faster from now on.
## Outline
Chapter 1: Optimizing Your Life
Core Concept: The allocation of life's wealth should aim to maximize "life vitality." Everyone accumulates wealth differently, but the core issue lies in how to optimize resource allocation during one's lifetime to live the most fulfilling life.
Key Points: The book emphasizes that "zeroing out assets before death" is a goal worth pursuing. This mindset can change people's habits regarding money, shifting from simply accumulating wealth to pursuing meaningful experiences, thereby achieving the best possible life.
Chapter 2: Investing in Your Life Experiences
Core Concept: Investing early in life experiences can bring "memory dividends," which are long-term emotional and psychological returns.
Key Points:
The earlier you start investing in life experiences (such as travel, learning, etc.), the more you can enjoy the "long-tail effect" of memory dividends because investments made when you are young can generate longer-lasting memories and satisfaction.
As you age, the accumulation time for memory dividends shortens, so you should act as early as possible and transform resources into meaningful experiences.
Chapter 3: Why You Should Have Nothing Left When You Die
Core Concept: The idea of zeroing out assets before death aims to avoid wasting life vitality, encouraging the active use of resources when you are able to enjoy them, rather than saving them until you can no longer use them.
Key Points:
Case studies (such as the story of Elizabeth) show that excessive saving can lead to not fully enjoying wealth during one's lifetime, leaving regrets. For example, Elizabeth still had $130,000 when she died at age 85, which she was unable to use when she was able to enjoy it.
If you love your job, you should find ways to spend money on activities you enjoy in addition to working, balancing work and life enjoyment.
Psychological resistance to "zeroing out assets" may stem from fear or habit. It is recommended to reflect on the root of the resistance to face this goal with a more open mind.
Humorous but profound advice: If you earn $15 million and still continue to work, you may need to be "reminded" to reassess your life priorities.
Chapter 6: Life Needs Balance
Core Concept: The time value of money and the personal interest rate increase with age, so you should use wealth in your early or mid-life to gain the most enjoyment.
Key Points:
Time value of money: $100,000 in your 50s is more valuable than in your 80s because you have more energy and opportunities to enjoy it when you are young.
50/30/20 rule: It is recommended to allocate income as 50% for necessary expenses (rent, daily necessities, etc.), 30% for personal needs (travel, entertainment, etc.), and 20% for savings and debt repayment, as a simple and effective financial management method, especially suitable for people who find it difficult to control their spending.
The concept of limited time: People often ignore the limitations of life, mistakenly believing they have "unlimited" time. Reminding yourself that life is limited allows you to cherish the present and make full use of resources.
Chapter 7: Start Setting a Timeline for Your Life
Core Concept: Life consists of multiple stages, and the "you" in each stage will "die" and cannot be reversed, so you should set clear goals and timelines for each stage.
Key Points:
After each stage of life (such as adolescence, college, singlehood, etc.) ends, the "you" of that stage "dies" and cannot be relived. This reminds people to act in time and seize the opportunities of the moment.
Setting a timeline helps allocate resources (time and money) to the most suitable stage, avoiding regrets.
Chapter 9: Be Bold, But Don't Be Stupid
Core Concept: You should be bold when you are young because you have plenty of time, allowing for failure and recovery.
Key Points:
Young people have a higher risk tolerance because they have time to recover from mistakes. As you age, risk tolerance decreases, so you should be bold in trying things early on, but avoid recklessness.
## Thoughts
This book, like the book cover, first shares with you why you shouldn't leave money until you die, and how to "try" to spend all your money. Finally, it discusses that spending money is to make every moment of your life perfect and get the greatest satisfaction. Don't suppress your own happiness just because of money. This is a book that makes you face death and seriously face your inner self. Let yourself sincerely pursue the lifestyle you want, and don't suppress your spending throughout your life because you want to "save until old age."
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