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

Start actively thinking about the life experiences you’d like to have, and the number of times you’d like to have them.

In the end, the business of life is the acquisition of memories.

The payoff from an investment does not have to be financial. When you teach your daughter to swim or to ride a bike, it’s not because you think she’ll get a better-paying job with those new skills. Experiences are like that:

Start actively thinking about the life experiences you’d like to have, and the number of times you’d like to have them.

We get a return on all our experiences. That’s why we spend money on them. It is also why we invest in financial instruments—to help our money grow, with the ultimate goal of generating more or better experiences.

If you’d like to get a more precise estimate of your life expectancy based on additional health factors, you’ll need to answer more health and lifestyle questions. One helpful tool is the Living to 100 calculator (https://www.livingto100.com), designed by a doctor and researcher who studies exceptional longevity.

On a personal level, I’ve become even more deliberate in my decisions about what to do and when. The other day my friends and I rented a boat and I thought about wakeboarding, which is like snowboarding on water. At age 50, was I still in good enough shape to do it? Probably. Would I be in good enough shape seven years from now? Definitely not. Thi

What’s the best way to allocate our life energy before we die?

Money is nearly worthless at the very beginning and the very end of life.

If you tell your fee-only financial adviser that you are trying to get as much enjoyment out of your savings as possible without outliving your savings, they can help you create a plan for making that happen.