{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"<iframe src=\"https://embed.acast.com/$/68c7e32f666ba430d6a7547c/68df89e2965488b63ab6a24c?\" frameBorder=\"0\" width=\"700\" height=\"250\"></iframe>","title":"Die With Zero — Bill Perkins","thumbnail_width":200,"thumbnail_height":200,"thumbnail_url":"https://open-images.acast.com/shows/68c7e32f666ba430d6a7547c/1759480207564-512f90bc-8d9c-4213-a45c-f35cba5d5246.jpeg?height=200","description":"<p>In this episode of Summed, we deliver a complete <em>Die With Zero</em> summary—Bill Perkins’s blueprint for maximizing life ROI: spending more on meaningful experiences while you’re healthiest, time-bucketing your life, giving earlier to loved ones, and designing a plan to avoid oversaving you’ll never use. In ~20 minutes, you’ll learn how to set a baseline safety floor (emergency fund + insurance/annuity options), convert money into memory dividends, and align your saving, spending, and giving with the right decade—so you don’t postpone living.</p><p><br></p><p><strong>About the author:</strong></p><p>Bill Perkins is an energy trader and hedge-fund manager known for applying expected-value thinking to personal decisions—arguing that the goal isn’t dying rich, but living richly.</p><p><br></p><p><strong>Key takeaways:</strong></p><ul><li>Life ROI &gt; Net worth: Optimize for memorable experiences, relationships, health.</li><li>Time buckets: Plan spending and experiences by decade (20s/30s/40s/50s+).</li><li>Memory dividends: Experiences pay ongoing returns in joy and identity—invest early.</li><li>Give sooner: Transfer some wealth when it has the highest utility (to kids/causes).</li><li>Safety floor: Hedge longevity/health risks with reserves, insurance, and annuity options.</li><li>Don’t oversave by default: Match savings rate to actual goals and timelines.</li><li><br></li></ul><p><strong>This week’s playbook: </strong></p><ol><li>Draft five time buckets (now, 30s, 40s, 50s, 60s+) and list one experience you’ll fund in each.</li><li>Set a baseline safety number: emergency fund + insured risks; sanity-check against current savings.</li><li>Schedule one memory-dividend experience this quarter (trip, skill, reunion) and pre-fund it.</li><li>Plan giving-while-living: move a small, purposeful gift forward in time.</li></ol><p><br></p>","author_name":"Summed Podcast "}