Die With Zero: Retire With Memories, Not Money

I reflect on Charlie Munger’s wish for more time and share three ideas from Bill Perkins’ Die With Zero that changed how I think about money and life.First, you don’t retire with money—you retire with memories, and some experiences have real physical expiry dates, so postponing them can mean missing them forever.Second, I reframe retirement planning by treating net worth peak as a date, not a number, and explain how dying with unspent money can represent thousands of hours worked for nothing, while the fear of running out is often bigger than the math.Third, I walk through Perkins’ “time bucketing” exercise—mapping life in five-year blocks and assigning goals to realistic windows—plus my own buckets for travel, family, and work changes, to stop drifting and start choosing intentionally.00:00 Munger’s Wish for Time00:27 Book That Changed Me01:05 Retire With Memories02:06 Experiences Expire03:19 Peak Net Worth Date04:11 Fear of Running Out05:09 Time Bucketing Method06:16 My Time Buckets07:07 Bucket List vs Buckets07:54 Closing Takeaways Get full access to Will That Work? at www.adriantan.com.sg/subscribe