Listen free for 30 days

Listen with a free trial

One credit a month, good for any title to download and keep.
Unlimited listening to the Plus Catalogue - thousands of select Audible Originals, podcasts and audiobooks.
Exclusive member-only deals.
No commitment - cancel anytime.
Buy Now for £21.99

Buy Now for £21.99

Pay using card ending in
By completing your purchase, you agree to Audible's Conditions of Use and authorise Audible to charge your designated card or any other card on file. Please see our Privacy Notice, Cookies Notice and Interest-based Ads Notice.

Summary

A common-sense guide to living rich - instead of dying rich

Imagine if by the time you died, you did everything you were told to. You worked hard, saved your money, and looked forward to financial freedom when you retired. 

The only thing you wasted along the way was - your life.

Die with Zero presents a startling new and provocative philosophy as well as practical guide on how to get the most out of your money - and out of your life. It's intended for those who place lifelong memorable experiences far ahead of simply making and accumulating money for one's so-called Golden Years.

In short, Bill Perkins wants to rescue you from over-saving and under-living. Regardless of your age, Die with Zero will teach you Perkins' plan for optimizing your life, stage by stage, so you're fully engaged and enjoying what you've worked and saved for. 

You'll discover how to maximize your lifetime memorable moments with experience bucketing, how to convert your earnings into priceless memories by following your net worth curve, and find out how to navigate whether to invest in, or delay, a meaningful adventure based on your spend curve and personal interest rate.

Using his own life experiences as well as the inspiring stories and cautionary tales of others - and drawing on eye-opening insights about time, money, and happiness from psychological science and behavioral finance - Perkins makes a timely, convincing, and contrarian case for living large.

©2020 Bill Perkins (P)2020 Houghton Mifflin Harcourt

What listeners say about Die with Zero

Average customer ratings
Overall
  • 4.5 out of 5 stars
  • 5 Stars
    83
  • 4 Stars
    19
  • 3 Stars
    5
  • 2 Stars
    2
  • 1 Stars
    4
Performance
  • 4.5 out of 5 stars
  • 5 Stars
    61
  • 4 Stars
    18
  • 3 Stars
    3
  • 2 Stars
    4
  • 1 Stars
    2
Story
  • 4.5 out of 5 stars
  • 5 Stars
    61
  • 4 Stars
    16
  • 3 Stars
    3
  • 2 Stars
    2
  • 1 Stars
    4

Reviews - Please select the tabs below to change the source of reviews.

Sort by:
Filter by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

absolutely must read

Wish my parents would have read this book. Life experiences instead of an inheritance.

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Unbelievable!

Such a great, thought invoking book that takes you away from the standard thoughts and narratives we have pushed upon us living in this era. A lot of things I'm taking away and implementing right now! Great for someone who is all about saving and not living right now.

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Surprisingly, really good

I listened to this on the back of a recommendation, I didn’t expect it but I’ve been pleasantly surprised at the ideas in this book.

This is very likely one of those books that I’ll reflex on over the years and definitely a different way to the usual thinking.

Thank you.

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Fantastic book depending on your circumstances.

This is a great book with some really interesting ideas and thoughts on how and when to spend your money vs saving or investing it.

It's aimed more towards those people that save all their money, so if you don't have much disposable income, or already spend everything you earn, then it's probably not for you.

But if you're a high earner, and save far more than you spend this is for you, get it now, is a short book and well worth it.

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

He is spot on!

This book was a wake up call, reminding me of what I've known for a long time. I've seen family members and a number of people waste their lives, working hard to accumulate money but forgetting about the purpose of doing so. Money is a mere one third of the equation and arguably holds the least weight. Although it is without question crucially important to have a threshold number /enough to enjoy alongside good health and strong relationships.

1 person found this helpful

  • Overall
    2 out of 5 stars
  • Performance
    2 out of 5 stars
  • Story
    2 out of 5 stars

dragged out

some nuggets of wisdom but the whole thing could have been summarized in a couple of chapters. nearly threw my phone out the window when he talked about feeling sorry for a man having retired at 38 and having too much money.

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

I’m ALL IN with Bill on this one.

Bill Perkins first came to my attention through Poker when I used to watch him play high-stakes and I thought that he always came across as the least talented at the table. He had this very casual but fun filled approach to the game which made him stand out against the solid pros.

But as a high-stakes player whose background was not in Poker I always had an interest in him as a person. So when I’d learnt that he’d written this book about dying after he had spent or given away all his money my interest was peaked even further.

Bill is a very easy-going upfront fun guy. But there is more to the man than meets the eye and he is definitely someone who knows what they’re talking about when it comes to wealth, health and happiness.

This book is an eye-opener to anyone who has merely read self-help material that promotes a good way of life and to anyone thinking that it all begins and ends with building a fortune they need to read this to think again.

This isn’t just about giving away all of your money it is about spending your money the right way so that you can enjoy it whilst you are alive.

It is also about the realisation of our time on Earth with our loved ones and the people we care about and also doing the things we want to do.

Bill talks us through how and why we should be more thoughtful with what we do in our lives both when it comes to how we earn our money and how we spend it.

This does not fall within the get rich quick schemes or other self-help books which only promote the plus side of being wealthy. This book will put you in tune with your own mortality and give you ideas that you can put into practice so that you can enjoy the rest of your life whilst being happy.

It’s a very short read which makes it ideal to return to again and again to refresh your memory and the ideas within it.

I love the fact that he has provided this information and chosen to read it himself. Thanks Bill!

1 person found this helpful

  • Overall
    4 out of 5 stars
  • Performance
    5 out of 5 stars

Sobering thoughts...

Some of what this book contains is obvious, some thought provoking and others very sobering and some unrealistic.

Financial planning - unrealistic:
Potentially unrealistic. I've invested in the stock market "through advisors" and bank accounts etc and the assumption that you can work on a return of 3% + inflation has not been true for me . Factor in Brexit, COVID and now the Ukrainian crisis and other tensions in the global economy and it's been bad times for investments. there in current inflation rates and compare those with interest rates available, and the real difference between the two is far worse that it every was when we were being offered a pittance in interest rate returns. And while yes, investments are "long term' at my age in life, "long term' is not likely to be relevant. So the financial planning side of this book for me and what to expect in terms of returns was weak/unrealistic.

Sobering:
Far more helpful were key points I took away about health and the impact this will have on you being able to "physically do " the things you want to do. So set your order and timescale for doing things based on your anticipated health.

Thought provoking:
Wills and leaving things to relatives and children was another fascinating area. Why wait until you die to leave an inheritance, by which time those you leave it to will either be too old themselves or not in need of it to the same extent if you'd given it then much earlier in their lives when a help starting out would have really been beneficial for them. so the author is keen to stress, Die with Zero isn't about being selfish and using up your wealth yourself, it's about maximising your quality of your life and those you care about at the right time

Scary:
And then lastly there is the question of facing up to your own mortality. Here's a dilemma for you. If you had an envelope and inside that envelope was the exact date you would die, and there was Zero you could do about it, would you open the envelope? If the answer is no, then this book is not for you because this book forces you to open that envelope and face up to the reality that we all die and to die with zero you need to have a pretty good idea of when that will be.

Conclusion:
My best advice, get the book. it's a cold reality check. Don't die with regrets.

  • Overall
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Story
    1 out of 5 stars

Not the best

I really didn’t enjoy this book, I found it more of a story about how good a guy the author is and how much money he has. His stories were very hard to relate to.

  • Overall
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Story
    1 out of 5 stars

Lacks any real content

This book starts from the presumption that you need to spend money to enjoy life’s experiences - something I fundamentally disagree with. It takes 9 chapters to say “spend now to experience life because when you are old an infirm you won’t be able to enjoy travel etc as much. / Help your kids financially when they need it (eg trying to buy their first home) rather than leaving them an inheritance when they are perhaps 60 years old” - That is hardly rocket science, and it certainly does not warrant a 5 hour plus audiobook. Narration was stilted and often stumbled over the words. One of the worst books I’ve come across on Audible.

Sort by:
Filter by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Anonymous User
  • Anonymous User
  • 15-07-22

Melissa G

My mother died at the age of 53 with millions in her account and a heart full of dreams. This has opened my mind to start living. Thank you.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Anne Reid
  • Anne Reid
  • 18-05-22

Bill this fits the bill.

Easy listen. I'm sure it would've been an easy read. The content is life altering information that save your life trajectory, improve your quality of life.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Nana Piesie
  • Nana Piesie
  • 16-02-22

great

everyone should read this book ! it makes you think life to short to postpone

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Sentayehu
  • Sentayehu
  • 27-12-21

Insightful view to retirement

It is rare to find a book that will get you thinking fundamental things in your life. This is one of them. Highly recommended. Wish my Parents did read this book when I was younger.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for C. StoneE Hoag
  • C. StoneE Hoag
  • 19-11-21

life changing

i have listened to three times and my husband twice. We are going to make more memory dividends.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for marco traniello
  • marco traniello
  • 25-10-21

Amazing Job

Very easy to understand even for a foreign like me!

I love when the book is read by the guy that wrote it and Bill Perkins is an amazing Man!

Thank you 🙌🏽

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Robert L. Delaney
  • Robert L. Delaney
  • 06-06-21

TY

loved it inspirational. thank you. appreciate all the ideas and concepts to live a more fulfilling life.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Trung Nguyen
  • Trung Nguyen
  • 09-03-21

Makes you think

Definitely aimed at upper middle class people, but it has a lot of thought provoking ideas.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for MR.Salter
  • MR.Salter
  • 27-12-20

truly impactful

This book has already made a profound impact in my life and will drastically change how I view spend and allocate my finances. thank you Bill for crafting a book that can make a difference in so many lives. I hope more people find this book and I can't wait to see the good does it for so many.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Mike
  • Mike
  • 26-12-20

Most Influential Book I Read This Year

Perkins takes a simple concept and puts forth a convincing argument; you can’t take your money with you when you die! Dying with a ton of money in the bank is one of the greatest inefficiencies of life. You should instead spend your money on experiences early in life when you can extract the most value from the experiences. The ability to convert money to happiness decreases as you age. A poker player’s perspective on how to win in the game of life.