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"I think the biggest psychological crime is people fear running outta money instead of fear of wasting their life." - Bill Perkins

Bill Perkins watched busloads of senior citizens arrive in St. Petersburg, Russia. Not a single person climbed the 115 steps to see the breathtaking view from the church balcony. They had the money for the trip, the time to travel, but their bodies wouldn't cooperate anymore. That moment crystallized everything he'd been thinking about how we get life backwards. We treat money like it's the goal when it's actually just a tool, one that loses effectiveness as our bodies and minds decline. Your body peaks at 33. After that, it's plateau and decline. Those hiking trips, those physical adventures, those experiences that require energy and health—they have expiration dates we refuse to acknowledge. We tell ourselves we'll do them later, when we're more financially secure, but later means weaker knees, less stamina, different limitations.

Perkins talks about life in buckets, periods you'll never get back. Your twenties happen once. The years with small children happen once. Each phase has experiences designed for it, and if you miss them, they interfere with each other or disappear entirely. He uses a Tetris metaphor: imagine standing in heaven with God, throwing every experience you want into a bucket. Hiking, building businesses, raising kids, traveling to places that require climbing, all of it. God says you can have everything, you just have to get the order right. That's the game. That's what most people get catastrophically wrong. They're so afraid of judgment, so terrified of running out of money that they waste the periods of life when those experiences would mean the most, when their bodies could actually do them. This isn't about reckless spending. It's about understanding that your ability to convert money into fulfilling experiences decays over time, and no amount of savings can buy back the body you had at 33.

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