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

Gather initial thoughts and broad opinions about the book.

1. Die With Zero presents a counterintuitive approach to personal finance that prioritizes experiences over wealth accumulation. Which aspects of Perkins’s philosophy did you find most compelling or controversial, and why?

2. How did Perkins’s background as a hedge fund manager, professional poker player, and entrepreneur shape his perspective in the book? Did his experience in risk management add credibility to his arguments or make you question certain aspects of his advice?

Encourage readers to connect the book’s themes and characters with their personal experiences.

1. Perkins introduces the concept of “memory dividends” as the ongoing value derived from experiences. Reflect on an experience in your life that has generated significant “memory dividends.” How does this concept change how you might evaluate future spending decisions?

2. The book argues that many experiences have natural timing based on health, interests, and life circumstances. Have you ever postponed an experience only to find the opportunity permanently lost? Alternatively, have you taken an experience at the “right time” that you’re particularly grateful for?

3. Perkins suggests that reaching your “net worth peak” between ages 45 and 60 allows for strategic spending while you can still enjoy experiences.