You Can’t Take It With You—And That’s the Point

Most of us spend our lives working hard, saving diligently, and planning responsibly for the future. In his book Die With Zero, Bill Perkins offers a refreshing perspective: wealth is not only about financial security, but also about maximizing life experiences along the way. His central thesis is simple yet profound—money is only valuable when it is converted into meaningful memories, relationships, and impact.

Perkins challenges the mindset of deferring gratification indefinitely. Too many people over-save and under-live, postponing joy until retirement—only to discover that their health, energy, or time has run out. Instead, he encourages us to think intentionally about when to spend, when to save, and how to align financial decisions with the seasons of life.

That idea really resonated with me. Christine and I have made it a priority to start “living before we die.” Next year, we’re taking our family on a trip to Alaska—an experience we hope our kids will remember for a lifetime. Closer to home, we’ve opened our doors to six dogs (yes, six!) and given them room to run and play. And through our work supporting inner-city students at a Christian school, we’ve seen firsthand how investing in others’ lives today can create a ripple effect that lasts for generations.

One of the most compelling ideas in Die With Zero is the “experience dividend.” Just as investments compound, so do experiences. Traveling, pursuing passions, or giving generously creates memories that appreciate in value, enriching your life and the lives of others.

Importantly, Perkins does not advocate recklessness. His approach is about balance: ensuring financial stability while also asking, “What am I saving this for?” He also reframes legacy—reminding us that giving earlier, when it can be most impactful, often matters more than waiting until the end.

For me, Die With Zero is not just a book— it’s a philosophy I’m actively trying to live. I’d love for your life to be enriched by its message too. Email me at tony@pmwmg.com, and I’ll send you a copy.