Should you really try to die with zero?

The popular book "Die With Zero" argues that many people save too much money and miss opportunities to enjoy life along the way. Its philosophy encourages maximizing experiences, spending intentionally during different seasons of life, and giving wealth away earlier rather than leaving large inheritances.

But does that approach actually work for most retirees?

In this episode of Retire in Texas, Darryl Lyons reviews the bestselling book Die With Zero by Bill Perkins and walks through its nine core rules - including investing in experiences early, timing spending throughout life, giving while living, and knowing when to stop growing wealth.

Drawing from decades of working with retirees and families, Darryl shares where he agrees with the book's ideas and where he believes the philosophy may create financial risks. He explains why experiences don't have to be expensive, how today's retirement landscape has changed, and why balancing enjoyment with long-term financial security remains critical.

You'll learn: • What the "memory dividend" concept means and how experiences shape long-term happiness. • Why spending earlier in life can make sense - but also where it can become dangerous. • How giving while living may create more impact than traditional inheritance planning. • Why many Americans face a growing retirement risk despite messages encouraging more spending. • The role purpose and meaningful work can play in long-term health and fulfillment.

This episode isn't a rejection of enjoying life - it's about balance, stewardship, and making financial decisions that support both present experiences and future security.

If you'd like help building a retirement strategy designed around your life stage and long-term priorities, visit PAXFinancialGroup.com and schedule a conversation with an advisor.

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Resource: https://www.amazon.com/Die-zero-author/dp/3959727739