Die with Zero w/ Bill Perkins #1106
How to Money
iHeartPodcasts
4.6 • 3.2K Ratings
🗓️ 25 February 2026
⏱️ 49 minutes
🧾️ Download transcript
Summary
Most money advice is a broken record: save more, invest early, and wait for freedom. But what if the real risk isn't running out of money but instead is running out of time? In this episode, we’re challenging the "accumulation at all costs" mindset with Bill Perkins, author of the cult classic Die With Zero. It turns out that a healthy money relationship isn’t just about building wealth but it’s also about intentional spending. Bill argues that time is the most precious asset we have, and that waiting too long to enjoy it can be a costly mistake because we don’t want to reach the finish line with a full bank account and a lifetime of missed opportunities! We discuss how:
- Time is the most precious asset we have
- Travel makes you a richer person
- Your health impacts your wealth
- Timing your life experiences
- Memory dividends are inflation protected fulfillment
- Delayed gratification as a form of prison
- His concept of time buckets
- Life is full of risk and we have to decide what's worth it
- And much more!
Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:
- Bill Perkins: Check out the book yourself: Die With Zero, be sure to not follow (Bill’s own recommendation) on Insta or X, and more resources can be found at the site for the book as well.
- Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
- Money Gears: knowing what to do with your money is crucial to your personal finance journey.
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Transcript
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| 0:00.0 | This is an IHeart podcast. |
| 0:32.9 | Guaranteed Human. Welcome to How to Money. I'm Joel. And today I'm discussing Dying with Zero with Bill Perkins. It's So the title of today's episode kind of flies in the face of typical money advice. |
| 0:40.2 | Around here, we talk a lot about saving and investing, about using money as a tool to buy yourself more freedom in the future. |
| 0:47.1 | And at its core, how to money is about helping everyday folks build wealth and develop a healthier relationship with their money. |
| 0:48.3 | But here's the thing. |
| 0:51.8 | A healthy money relationship, it's not just about accumulation. |
| 0:56.0 | It's also about intentional spending. And my guest today, |
| 1:00.7 | he's been one of the loudest and most thought-provoking voices, pushing back against the idea that life should be delayed until your 70s, right, after you've squeezed every last dollar |
| 1:05.0 | into your net worth. So Bill Perkins, he argues that the time, the time is the most precious |
| 1:10.1 | asset that we have and that |
| 1:11.3 | waiting too long to enjoy it can be a costly mistake. His book, it's called Died with Zero, |
| 1:16.2 | came out more than five years ago, but it's still challenging the way people think about money, |
| 1:20.8 | time, and experiences. I'm genuinely pumped for this conversation. So Bill, thank you for joining me |
| 1:25.4 | today. Thanks for having me. It's great to be here. |
| 1:28.4 | First question, what do you like to explore, John? We're trying to be smart, save and invests for our |
| 1:33.1 | future so that we have a lot of options. But you've got to spend on cool stuff in the meantime. |
| 1:37.4 | What's that for you right now? Usually it's an experience with my loved ones or friends, right? |
| 1:42.2 | Friends are loved ones. So, you know, where we challenge our |
| 1:45.7 | worldview and we have a very enriching experience. It's generally travel. I think it's one of the |
| 1:51.2 | few things that you could spend money on that actually makes you a richer person. And it's usually |
| 1:56.1 | including many people that wouldn't be able to be able to afford the trip or go with me or, |
| 2:03.1 | you know, just, you know, paying their way so that I can enjoy it with them. You know, |
... |
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