Podcast appearances and mentions of bill perkins

This conversation isn't about interest rates, the property cycle, or strategy. It's about the emotional friction that keeps smart investors from moving forward — even when the plan is clear. "I just need to save a bit more first""I'll wait until the market settles""I'm not quite ready yet" These aren't just personal thoughts — they're a pattern. One we've seen hundreds of times. And it's not a strategy problem. It's not about the data, the plan, or the timing. It's the inner game. In this episode, we dive into why so many smart, capable people stay stuck on the edge of investing — and what actually moves the needle. We unpack the psychology of waiting, the emotional loops that masquerade as logic, and how to break free from a mindset that keeps you on pause. We pull apart: The real reasons smart people stall, even when the strategy is sound The mindset patterns we've seen keep people stuck in planning purgatory How to tell when your 'caution' is actually avoidance A better question than "Should I invest now?" How to start moving — even if you're not 100% sure See you on the inside, WATCH ON YOUTUBE: https://www.youtube.com/live/cHKxGK5O3W4?si=iZZwg7AcDpXlLV57 IMPORTANT: The Investor Lab is for educational purposes only and does not constitute financial advice. Always do your own research and seek independent professional advice before making any investment or financial decisions. -- RESOURCES: Research on The Inner Game: https://docs.google.com/document/d/1yNZWerzhUzNMemAYG_NjMw2lbxpiPyYyEspqRLCFWtU/edit?usp=sharing Loss Aversion: https://thedecisionlab.com/biases/loss-aversion Read: A Practical Guide To Finding Happiness and Living A Deliberate Life - https://blog.goosemcgrath.com/p/practical-guide-finding-happiness-living-deliberate-life Read: Self Actualisation Is The Only Worthy Goal - https://blog.goosemcgrath.com/p/self-actualisation-is-the-only-worthy-goal-d5e2 Byron Katie's "Loving What Is" - https://www.amazon.com.au/Loving-What-Four-Questions-Change/dp/1400045371 Bill Perkins' "Die With Zero" - https://www.amazon.com.au/Die-Zero-Getting-Your-Money/dp/0358099765 Further Reading: Loss Aversion Explained: https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/loss-aversion/ Harvard Business Review on Loss Aversion: https://hbr.org/2018/05/why-people-keep-spending-too-much-on-house-renovations -- Build a roadmap to achieve your goals for FREE on Property Pathfinder: propertypathfinder.io Want help to invest in 2025?Book in a quick chat here and we'll point you in the right direction:bit.ly/3E0wKGa Got a question or some feedback? We're all ears!bit.ly/tilqs Need finance guidance?Chat with the team: dashdotfinance.com.au/discoverycall – Catch Up On Recent Episodes: Trusts & SMSFs: How Advanced Investors Are Rethinking Their Structures in 2025Portfolio Acceleration Masterclass: How To Use Strategic Selling As A Booster How to Create A Property Portfolio Growth Plan The Smartest Plan B for Business Owners? Sean's $464k StoryFinancial Jiu-Jitsu: How to Break Through Your Portfolio's Cashflow ConstraintsWinning the Investment Game: How to Set & Beat Your Hurdle RateFake Gold? Markets Down? Liquidity Up? – What’s REALLY Going On? The RBA Just Changed the Game — Here’s What It Means for YouHold vs Sell: How to Know When to Take ProfitsBitcoin: Why Every Property Investor Needs to Consider Owning ItEverything You Need To Know About Property Investing FinanceProperty Investing In Australia In 2025: What You Need To Know Investment Strategies for 2025 Follow the Money: How Liquidity Drives Asset Prices (and How You Can Benefit) What You Don’t Know About Money Could Cost You Everything – Connect:https://www.dashdot.com.au https://youtube.com/@theinvestorlab https://instagram.com/dashdotproperty https://instagram.com/goosemcgrath https://instagram.com/gabi.billing See omnystudio.com/listener for privacy information.

In Episode 321 of More Than Commas, Paul Adams unpacks the core ideas of Bill Perkins' book Die With Zero, which challenges the conventional wisdom of hoarding wealth for retirement. Instead, Perkins urges us to align our money, time, and energy with meaningful experiences during the prime years of our lives.   Paul explores concepts like the “Fulfillment Curve,” “Memory Dividends,” and “Time Bucketing,” showing how intentional spending can create lasting impact and relational ROI. This episode encourages listeners to rethink legacy, give generously while they're alive, and plan for a rich life—not just a rich bank account.   --   This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

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Part 1 Die with Zero by Bill Perkins Summary"Die with Zero: Getting All You Can from Your Money and Your Life" by Bill Perkins presents a thought-provoking perspective on how to approach money and life. The book encourages readers to rethink traditional views on saving, spending, and the purpose of money. Perkins introduces a philosophy that prioritizes maximizing life experiences rather than hoarding wealth for the sake of leaving a legacy. Here are some key points from the book:Optimal Spending: Perkins urges readers to spend their money in a way that creates the most fulfilling life experiences, rather than saving excessively for the future. He suggests calculating a spending plan that aligns with critical life experiences you want to have.Time Value of Experiences: The idea that experiences are best at certain ages and phases of life is central to Perkins' argument. He emphasizes that certain life experiences, such as travel or adventures, are more valuable when done at specific ages. This means planning your spending to align with the right timing for those experiences.The Zero Balance Concept: Perkins advocates for the idea of dying with zero money in the bank. While not literally advocating for financial irresponsibility, he argues for a thoughtful distribution of wealth throughout one's life, enjoying it while still living.Investing in Memories: The cost of experiences can be considered an investment in memories, which Perkins views as far more rewarding than accumulating financial assets. He encourages planning significant experiences strategically throughout life.Life Expectancy Planning: The book emphasizes the importance of understanding your life expectancy and planning how to use your time and money effectively, allowing for a personalized approach to spending and saving.Health and Wealth Interplay: Perkins discusses the relationship between health and wealth, explaining that as people age, their ability to enjoy certain experiences declines due to health issues. He argues that it's prudent to spend money on experiences while you are still able to enjoy them fully.Legacy and Impact: Instead of leaving behind large sums for heirs, Perkins suggests considering how you can create a lasting impact while you are still alive, including gifting funds for specific experiences to loved ones.The overarching message of "Die with Zero" is about the conscious use of money to gain the most valuable experiences in life, ultimately leading to a more fulfilling existence. The book challenges readers to shift their mindset from accumulation to intentional living.Part 2 Die with Zero AuthorBill Perkins is an American author, entrepreneur, and hedge fund manager known for his thought-provoking views on personal finance and maximizing life experiences. He released the book "Die with Zero: Getting All You Can from Your Money and Your Life" in March 2020. This book challenges traditional financial advice by emphasizing the importance of spending money on experiences rather than saving it for the future, promoting the idea of optimizing life and financial resources in the present.In addition to "Die with Zero," Bill Perkins has also contributed insights through other platforms but has not authored other widely known books. He often shares his views through various media and talks, focusing on living life fully rather than simply accumulating wealth.As for the best edition of "Die with Zero," the original hardback edition released in 2020 is generally considered the core version of the book. Since its release, it has also been made available in several formats including audiobook and paperback. Readers often recommend the original because it captures Perkins' philosophies and strategies on maximizing life experiences without the constraints of traditional financial thinking.Part 3 Die with Zero ChaptersThe overall theme of

The major averages posted their best weeks in over a year, despite some major down days, after Wednesday's historic rally. Bob Elliott of Unlimited and Charlie Bobrinskoy of Ariel Investments discuss the day's equity action and investor positioning. Our Leslie Picker reports on developments in the banking sector. Krishna Guha of Evercore ISI joins to break down the Fed outlook, recession odds, and how tariffs and recent data are factoring into macro policy expectations. Angelo Zino of CFRA shares his view on Apple—and why he just raised his odds that the company gets a tariffs exemption. Bill Perkins of Skylar Capital weighs in on the latest moves in the energy complex. Our Diana Olick explains how China's involvement in U.S. mortgage-backed securities could ripple through housing markets. 

On this week's episode of THE FINANCIAL COMMUTE, Chris and Kevin discuss a book they recently enjoyed, Die with Zero by Bill Perkins. Are most of us over-saving and under-living?Here are some key takeaways from their conversation:Bill Perkins argues that most people die with too much money. He says wealth should be used to create meaningful experiences while we're healthy enough to enjoy them.Kevin notes that life is made of seasons — in youth, you have time, energy, and health. Optimal planning aligns spending with life stages to maximize fulfillment.Instead of waiting to pass on wealth after death, giving earlier can be more impactful — for kids, grandkids, or charities — while you're still around to see the results. Chris and Kevin agree it is important to prepare for the future and make wise financial choices while spending with purpose on things that bring the most value and joy. The book gives a new perspective to the FIRE movement (Financial Independence, Retire Early) and questions delaying enjoyment for a future that may never arrive or be as fulfilling.

You might already have missed the market bounce-back.That's the warning from Richard Taylor and James Boyle in this From The Trenches episode of We're the Brits in America, where they break down the latest market movements and what they mean for investors and, in particular, expats. With a mix of market updates and personal insights, they explore why staying invested during turbulent times is crucial, how tax loss harvesting can boost returns, and why diversification is key for long-term success. Plus, you'll get practical strategies to navigate financial uncertainty. As we always say on the show, keep calm, stick to your plan, and ride out the uncertain times. Beyond the numbers, Rich and James dip into the pick-n-mix, with book recommendations like Die with Zero by Bill Perkins and 4000 Weeks by Oliver Burkeman, which encourage you to rethink wealth and time. If you're an expat or immigrant looking to make smarter financial moves in the US, this one's a must-listen.We're the Brits in America is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

Kate Scholefield is no ordinary business coach, fascinated by the person behind the business, she set up Blindspot for Business after taking a break from starting, growing and selling a 6-figure florist business.Today we talk good coffee, the difference between the ways in which men and women approach development and why switching off isn't going to kill your business. Find out more about Kate here:Website: www.blindspotforbusiness.co.ukJoin the Book Club: www.blindspotforbusiness.co.uk/book-clubInstagram: @blindspotforbusinessThe books we mention:Stolen Focus: Why you can't pay attention - Johann Hari 4000 Weeks: Time management for mortals - Oliver BurkemanMeditations for Mortals: Four weeks to embrace your limitations and make time for what counts - Oliver BurkemanDie with Zero: Getting all you can from your money and your life - Bill Perkins

We're deep into Season 2 of the Navigating Womanhood podcast...and THIS week we're answering your dilemmas!We chat through awkward wedding RSVPs, whether you're with the 'right guy' and the timings / pressures of life. Are you where you're meant to be right now?? Send us more dilemmas and don't forget to subscribe and follow us on Instagram @navigatingwomanhoodpod for all the updates!Talilla- @talillahenchozEmily - @_emilysworld Books we love... Start with Why by Simon Sinek - https://amzn.to/4h10bWs Die with Zero by Bill Perkins - https://amzn.to/4h10bWs

Will Warren Buffett's Predictions come true? We'll find out as today, the discussion centers around frustrations with the U.S. healthcare system, how longevity and health tie into financial planning and financial planning complexities with all the current economic unpredictability. The U.S. government has also officially designated confiscated Bitcoin as a strategic reserves and we're also still in the midst of a national debt crisis. We also talk government inefficiencies, policy changes, and interest rates.  We discuss...  Health insurance is frustrating due to high premiums and out-of-pocket costs before coverage kicks in. The system feels broken, requiring significant payments just for the right to pay more before benefits apply. Healthcare plans often don't cover preventive care, like vitamins or quarterly blood tests, which could reduce long-term costs. A comparison to homeowners insurance highlights the absurdity of paying for minor expenses while also paying for coverage. One speaker's insurance costs dropped dramatically when switching from an exchange plan to a corporate-sponsored plan. Life insurance companies conduct more thorough health tests than standard healthcare providers, which seems counterintuitive. Basic, cost-effective tests like fasting glucose are often omitted due to insurance cost-cutting measures. Health metrics are based on shifting averages rather than optimal health standards, normalizing unhealthy ranges. Society adjusts standards to accommodate unhealthy lifestyles rather than incentivizing better health. A personal “year of health” initiative focuses on longevity rather than growth, emphasizing balance, flexibility, and endurance. Longevity experts suggest lifestyle changes that promote long-term well-being, rather than just immediate fitness gains. The healthcare system prioritizes treatment over prevention, even when prevention could save costs in the long run. Financial planning must evolve to account for longer life expectancies, requiring strategies to ensure money lasts. Advances in longevity science could fundamentally change the healthcare system and financial planning. Future health innovations may extend life expectancy, raising questions about economic and social impacts. Bill Perkins' book Die With Zero promotes the idea of optimizing life experiences rather than leaving wealth behind. Planning to die with nothing is difficult due to unpredictable lifespan and financial variables. Financial planning must account for changing tax rates, inflation, market crashes, and policy shifts. Predictions in finance, like oil prices, are often inaccurate due to uncontrollable external factors. Financial plans become obsolete quickly and require constant updates. Guardrails in financial planning help maintain spending levels within a safe range. The U.S. has officially designated confiscated Bitcoin as a strategic reserve. The government is not selling or acquiring more Bitcoin but is holding existing assets. Strategic reserves, including oil, have historically been mismanaged for political purposes. Concerns exist that a Bitcoin reserve could be manipulated for political gain. The U.S. dollar's status as the world's reserve currency could be impacted by legitimizing Bitcoin. The Mar-a-Lago Accords propose restructuring U.S. debt by issuing long-term, zero-interest bonds to allies. The U.S. debt is growing at an unsustainable rate, adding a trillion dollars every 90 days. Innovative financial solutions are needed to address mounting national debt. The idea of eliminating daylight savings time is seen as a common-sense policy change. A previous initiative allowed the public to propose policy ideas to the government. The cost of producing pennies has exceeded their face value, raising questions about their necessity. Past shifts from silver to cheaper metals in coinage reflect economic adjustments over time. Lowering interest rates could help mitigate debt burdens more than it would impact the housing market. The U.S. missed opportunities to issue long-term, low-interest debt when rates were near zero. International stocks are outperforming U.S. stocks year-to-date, with emerging market Europe leading at 16.9% gains. The U.S. market is down 2%, marking a rare period of underperformance compared to global markets. Technology stocks are underperforming, with the Nasdaq in correction territory, down over 10%. Healthcare stocks are among the best performers, reflecting a rotation into defensive sectors. Investors are showing a flight to quality, favoring large-cap, dividend-paying companies. Market rotations between value and growth stocks continue as economic concerns persist. Smaller-cap U.S. stocks remain weak, continuing their underperformance. The DAX has quietly posted strong gains of around 10-12% this year, contrasting with the U.S. market's struggles. Despite current declines, the overall market is still in a relatively stable range, with volatility expected but not severe downturns. Experts anticipate a flat market year with moderate fluctuations rather than extreme moves up or down. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

Have you ever wondered what running an orthodontic practice and Disney World have in common? Dr. Jason Kaplan shares how the legendary customer experience principles from Disney can enhance orthodontic care, improve patient interactions, and create a standout practice.Dr. Kaplan also shares his personal experience with Smile Doctors, debunking common myths about OSOs and DSOs, and discussing the benefits he's seen in his practice.Beyond the business side, he explores the importance of financial wisdom, why you should give to your family while they need it, and the joy of spending on experiences rather than just accumulating wealth.We also talk about gratitude, fitness, and how taking care of yourself first leads to success in all aspects of life. If you're looking for ways to level up your practice and your mindset, this is a must-listen!

Je suis une grande adepte du fait d'avoir de l'argent, et surtout d'en avoir beaucoup. Après avoir lu le livre Die With Zero de Bill Perkins dont je te fais la revue dans cette épisode, mon approche a quelque peu changé, et mon but est de faire changer la tienne aussi.--Je t'édifie et t'apporte encore plus de valeur ici :Télécharge gratuitement mon guide pour apprendre à te poser les bonnes questionsMa chaîne YouTubeBooke un RDV gratuit Mon compte InstagramMa newsletterMa communauté --Je suis C. Befoune, et il y a dix ans encore ma vie était marquée par le manque de confiance en mes capacités, la peur d'être rejetée par mon entourage, la stagnation aux plans personnel et professionnel, les schémas toxiques répétitifs et l'incompréhension des autres face à mes défis.Tout a changé quand j'ai décidé de me prendre en main. Je me suis reconvertie sur le plan professionnel, j'ai travaillé pour des organisations internationales de premier plan et voyagé à travers le monde. J'ai guéri de mes blessures, rencontré l'homme avec qui je veux décrocher la lune et nous avons eu notre fille, Caramel (à l'origine de Caramel & CO). Même la Harvard Business School qui me semblait inaccessible m'a ouvert ses portes. J'ai appris de ma propre vie que tout est possible si on sait s'en donner les moyens, d'où ma passion pour le comportement humain face aux blessures, aux blocages et aux limites. Je tiens la main aux femmes qui ont besoin de se sentir comprises, qui savent pouvoir aller loin mais ne savent par où commencer et qui veulent vivre une vie alignée à celles qu'elles savent être au fond d'elles.

In this newsletter we discuss two main things, the parenting moment is about how you should tell them that you love them and the training thought is about how it is important to keep consistency within your training . The quote we share this week is from Bill Perkins._____________________Want to become a Stronger Dad?Check out my coaching by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠clicking here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠._____________________Enjoyed the audio version of the email and want to sign up to the Stronger Dads Newsletter?You can sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.strongerdads.co.nz⁠⁠⁠⁠⁠⁠⁠

Hello my friends, and welcome to another episode of What's Tom Reading! Today we are talking about the interesting, thought-provoking, and somewhat counterintuitive book, Die With Zero by Bill Perkins. This book is all about making sure that you leave this world the same way you came into it - butt naked and without a penny to your name - and in so doing, maximizing your time on this earth. If that sounds interesting to you, then stay tuned and enjoy the show!Special thanks to all of you who have shared and reviewed this podcast. Your help is what keeps this show alive. All the best!Mentioned in this episode:Human Cure by Tom Withers

In today's episode of The School of Midlife, we dive into a critical question for high-performing women in midlife: When is enough enough? Many of us find ourselves caught in the cycle of constantly striving for more—more success, more accolades, more achievements—but at what cost?As high achievers, we often feel like we're almost there—whether it's a financial goal, a physical milestone, or even the approval of others—but somehow, that feeling of fulfillment always seems to slip through our fingers. Why is that?This episode unpacks the internal struggle many women face in midlife as they try to balance ambition and contentment. We'll explore:The never-ending pursuit of more: why we keep moving the goalposts and how it impacts our happiness.The myth of "doing more" and why adding to your to-do list isn't the solution.The importance of defining your version of success and learning to say "enough" without guilt.How we were raised to follow a checklist of societal expectations—and why it's time to break free.Practical advice on how to live the life you actually want, right now, instead of delaying joy and fulfillment for some future date.We'll also touch on the game-changing ideas from Die With Zero by Bill Perkins, which challenges us to prioritize experiences over accumulation and how embracing this philosophy has helped many of us in midlife stop living for the next milestone and start living for today.If you're ready to rethink what success means, let go of the "good girl" checklist, and take control of your midlife, this episode is for you.LINKS + MENTIONS:Die with Zero: Getting All You Can from Your Money and Your Life by Bill Perkins1:1 Coaching with LaurieGroup Coaching: Gap Year

Your Fast Track to Business Ownership. Join Codie for a 3-Day Interactive, Live, Virtual Event February 21-23, 2025! Claim your ticket here: https://contrarianthinking.co/msm-live/ In this episode, Codie Sanchez and Bill Perkins explore the intricate relationship between ego and wealth LIVE, emphasizing how our ego can hinder financial success. They discuss the importance of speed in decision-making and how taking risks is often more about managing ego than financial loss. They delve into team dynamics, highlighting the roles of visionaries and executors in business. Perkins shares insights on maximizing time and money, the necessity of aligning family goals with business ambitions, and the challenges of delegation and the importance of finding the right operators in business ventures. Chapters 00:00: Ego and Wealth: The Hidden Connection 02:50: The Importance of Speed in Decision Making 06:11: Risk: Ego vs. Financial Reality 09:04: Building Teams: The Role of Visionaries and Executors 11:52: Peak Utility of Time and Money 15:08: Aligning Family and Business Goals 17:54: Navigating Business Opportunities 23:57: The Depth of Personal Investment 24:57: Defining Personal Success and Fulfillment 25:56: Balancing Wealth and Life Experiences 27:46: The Importance of Shared Experiences 29:59: The Role of Wealth in Enjoying Life 31:11: Evolving Philosophies on Wealth and Fulfillment 32:10: The Power of Subtraction in Life 34:02: Finding and Managing Operators 36:10: Balancing Ego and Delegation 38:20: Taking Risks and Going Big 41:12: Memorable Investments and Experiences 44:01: Identifying Key Ingredients in People MORE FROM BIGDEAL:

¿Estás gestionando bien tu dinero o lo estás acumulando sin disfrutarlo? En este vídeo te hablo de "Morir con Cero", un libro de Bill Perkins que propone una perspectiva diferente sobre ahorrar, gastar y vivir. La idea central es sencilla pero impactante: si llegas al final de tu vida con dinero sin usar, es porque no aprovechaste del todo tus recursos. Este libro te invita a reflexionar sobre cómo gastamos y ahorramos con un enfoque muy diferente al que la sociedad actual nos cuenta. En este podcast te enterarás de... - Por qué motivo ahorramos más de lo necesario y qué deberías hacer con ese dinero. - Cómo deberías actuar respecto al dinero según la etapa de tu vida, aunque te digan que lo más sensato es ahorrar cuando eres joven (que no tiene por qué ser verdad). - La razón por la que no deberías esperar a morir para dar tu herencia a tus seres queridos, si es que realmente los quieres, entre varias ideas potentes más que romperán con todo lo que has escuchado. Si alguna vez te has planteado si vale la pena sacrificar tanto por ahorrar, este vídeo te dará una nueva forma de ver tus finanzas y tu tiempo. DESCARGA GRATIS La nueva forma de vender infoproductos en un mercado saturado https://espabilismo.com/saturado

Tim Ulbrich shares insights from seven financial books that shaped his journey, offering key lessons on saving, spending, mindset, and building wealth. Summary In this episode, Tim Ulbrich highlights seven impactful financial books that shaped his journey, including I Will Teach You to Be Rich by Ramit Sethi, Die with Zero by Bill Perkins, and Rich Dad, Poor Dad by Robert Kiyosaki. He shares key takeaways on topics like balancing saving and spending, adopting a wealth-building mindset, and spending for happiness. Mentioned on the Show YFP on YouTube YFP 390: Financial Resolutions: Top 5 Moves for Pharmacists in 2025 I Will Teach You To Be Rich by Ramit Sethi  Die with Zero by Bill Perkins Rich Dad, Poor Dad by Robert Kiyosaki Tax Free Wealth by Tom Wheelwright The Millionaire Next Door by Dr. Thomas Stanley The Next Millionaire Next Door by Dr. Sarah Stanley Fallaw The Compound Effect by Darren Hardy The Total Money Makeover by Dave Ramsey Happy Money: The Science of Happier Spending by Elizabeth Dunn and Michael Norton YFP 200: An Interview with Sarah Fallaw of The Next Millionaire Next Door YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group  

Courtney Garcia of Payne Capital and Daniel Skelly of Morgan Stanley break down the market's action today while Fundstrat's Tom Lee analyzes yields and speculative stock trends, including why he says everyone needs quantum computing exposure. Breaking news includes new CEOs at Liberty Media and USAA. Plus, Bill Perkins of Skylar Capital discusses natural gas dynamics and wild swings in energy markets while Bravo's Ryan Serhant weighs in on real estate and mortgages.

Are you living a rich, fulfilling life, or are you waiting for the "right time" to enjoy it? Many of us are stuck saving for a future that may not come or waiting for the perfect moment to create memories. But what if the key to resilience and joy is found in living fully right now?On this episode of Building Resilience, I dive into the insights from the book Die With Zero by Bill Perkins. This transformative book challenges conventional thinking about wealth, health, and time, urging us to maximize life experiences while we can. I explore concepts like time buckets, memory dividends, and finding the balance between saving and savoring life. Resources:The "Memory Matters" course---cherish and protect your memories, they're invaluable.The Advanced Nervous System Resilience training---join the waitlist! Dive deep into understanding the nervous system and its role in our lives.My video series, "The 30 Second Burnout Solution"---a lifeline for those grappling with stress and burnout, especially compassion fatigue and secondary traumatic stress.Additional Resource:Die With Zero by Bill Perkins on Amazon– A must-read to rethink how you live and enjoy your life.Connect:Could you do me a favor? Please leave a review on your preferred podcast platform---it helps me reach more and more people. I'd also love to hear any insights or questions you have.You can also pay me a visit on Facebook or Instagram. You can also find me on my website and book a mini session with me! Hosted on Acast. See acast.com/privacy for more information.

In this episode of "Rock Your Retirement," host Kathe Kline welcomes Barbara, our long-term guest who delves into the thought-provoking concepts introduced in the book "Die with Zero" by Bill Perkins. The episode kicks off with Barbara explaining how she was recommended the book by a listener, and why its principles deviate from traditional financial advice. The book, which challenges the norm of scrimping and saving for retirement, advocates for living a rich, experience-filled life. The key premise is that individuals should aim to spend their money on creating memories and enjoying life rather than hoarding wealth that may never be fully utilized. Kathe and Barbara discuss the idea that many people are so focused on saving for the future that they miss out on valuable experiences in the present. Kathe, drawing on her background as a retired financial advisor, recounts stories of clients who amassed substantial savings only for that money to be quickly expended by their heirs within a short period of time. She emphasizes the importance of investing in experiences, such as family trips, which provide lasting memories, instead of purely financial inheritances. Barbara validates these points with her own reflections and anecdotes, particularly noting how aging can diminish one's ability to enjoy certain activities and life experiences. The conversation also highlights how the book encourages a balanced approach to spending and saving, tailored to various stages of life. Barbara refers to a metaphorical triangle to illustrate that when people are younger, they have health but limited financial resources and time. As they grow older, they acquire more money and time but often face health constraints. Therefore, the book urges not just saving excessively for an uncertain future, but rather spending wisely to enrich one's life and the lives of loved ones in the current moment. Furthermore, the episode doesn't solely focus on cruises or travel experiences but broadens the scope to include other ways to see tangible outcomes from one's financial resources. Kathe mentions substantial donations to charities as an example of witnessing the fruits of one's financial contributions during their lifetime. Through their dynamic and fluid conversation, Kathe and Barbara underline the core message of "Die with Zero": to thoughtfully spend one's money on creating a fulfilling and memorable life rather than allowing fear and uncertainty about the future to dictate a frugal existence. In summary, this episode is an insightful exploration of how to reframe our relationship with money in the context of retirement. It aligns with the mission of the "Rock Your Retirement" podcast by encouraging listeners to maximize their present lives, challenge conventional financial wisdom, and create lasting experiences that enrich both their own lives and the lives of those around them. This episode is sponsored by CertifiedMedicareAgents.com

I don't normally do this, but content warning, this episode talks at length about death and funerals and, while I continue to approach everything with an inappropriate degree of levity, if that's something you're not game to listen to right now, go ahead and skip the first hour of this one. Recommend me your favorite show or video game at podcast@searls.co and I will either play/watch it or lie and say I did. Thanks! Now: links and transcript: Kirkland Signature, Organic Non-Dairy Oat Beverage Die with Zero book The "Prefer tabs when opening documents" setting Aaron's puns, ranked Amazon hoped more people would quit BoldVoice Accent Oracle Cab drivers get Alzheimer's less Video Games Can't Afford to Look This Good LG announces Bachelor's Only TV Can the rich world escape its baby crisis? Why aren't we talking about the real reason male college enrollment is dropping? The Diplomat The Penguin It's in the Game Madden documentary Like a Dragon / Yakuza 7 Indiana Jones and the Great Circle Transcript: [00:00:29] It is our first new year together in this relationship. [00:00:36] Breaking Change survived season one. [00:00:39] We are now in season two. [00:00:43] I don't know what, you know, how seasons should translate to a show about nothing. [00:00:51] I like to talk about how, you know, in different stages of life, we go through different seasons, right? [00:00:58] You know, like maybe, you know, after, you know, the seasonal life when maybe you get married or you have a kid, your first kid and all the changes that kind of go with that. [00:01:08] And if you play multiplayer competitive games, you might go through different seasons. [00:01:15] You know, like if you play Diablo four or Call of Duty, you might be in a particular eight week or 12 week season. [00:01:24] Now, as you grind your battle pass, that's similar in in scale and scope to having a child or having some big life event, because it turns out none of this fucking matters. [00:01:35] Hello, welcome. [00:01:36] This is a this is your kind and friendly host, Justin Searles, son of Fred Searles, son of Fred Searles himself, son of a Fred Searles. [00:01:48] That's yeah, there were there were, I think, three Fred's before me and then my dad was like combo breaker and he named me Justin. [00:02:02] Uh, thank you for subscribing to the advertisement free version of the podcast. [00:02:08] Uh, if you, if you think that there should be an advertisement version of the podcast, feel free to write in a podcast at Searles.co and then pay me money to read about your shit. [00:02:20] And I will do that. [00:02:21] Uh, and, and, you know, I'm happy to have all the conflicts of interest in the world because, uh, if your product sucks and I use it, I can't help myself. [00:02:32] I'm just, I'm just going to say it's bad. [00:02:34] So, uh, that's a real, you know, I, I, if you can't tell, I also run the ad sales department of this journalistic outfit and, uh, that might have something to do with the total lack of, uh, corporate funding. [00:02:48] Well, anyway, this is version 28 of the program. [00:02:54] This, this, this episode's breaking change titled, do you regret it yet? [00:02:59] And that'll make sense, uh, momentarily. [00:03:03] Uh, so, um, it's a big one in a sense, you know, it's something that, uh, there's very little in life that I'm not comfortable talking about. [00:03:14] And that's because, you know, well, I'll just dive right in. [00:03:20] So, so I read it, uh, I read an article, uh, uh, some number of years ago that explained that part of the reason why foot fetishes are so common in men is like part of the brain that identifies feet. [00:03:38] And part of the brain that is like erogenous in its, you know, there's different parts of the brain. [00:03:46] They do different things, but if you got to pick which neuron cluster you lived in as a part of the brain, erogenous zone, that would be sweet. [00:03:53] That'd be a lot more fun than the, um, whatever the, the part of the brain is that gets scared easily, which, uh, because I get stressed and anxious, [00:04:04] even just talking into a microphone with zero stakes on a recording that I could stop. [00:04:08] That makes me no money. [00:04:10] I'm too nervous to remember the fear part of the amygdala. [00:04:13] There it is. [00:04:14] You see, and if it just, and, and that gets back to my point in my particular fucked up brain soup, [00:04:22] the, uh, the, uh, the part of my brain that talks out my mouth hole is right next to the part of my brain that critically reasons through things. [00:04:37] So for me, it is very difficult to process something without talking it, talking it through. [00:04:47] And the idea that something is taboo has always been really uncomfortable for me. [00:04:52] And you can just sort of see the pained look on my face as I try to hold it in like a, like a burp or something. [00:04:57] Like I, I, I got to let it out somehow. [00:05:00] And so I'm, I, you know, I'm glad, I'm glad I get to be here with you. [00:05:05] I hope you find it kind of entertaining. [00:05:06] Unfortunately, the thing to talk about first thing, as I get into the section of this to-do list, that is this podcast titled life is that the big thing that happened since the last major breaking change, uh, uh, back in version 26, which is, I, I, I understand two numbers away from 28. [00:05:30] Uh, the big thing that changed, uh, is, uh, my father, Fred, he of a, a long and proud line of Fred's, uh, he passed away, uh, uh, uh, December 15th. [00:05:45] So just, just shortly after, uh, the previous, the previous version aired and, uh, pretty much every it's January 4th today and we're still working through it. [00:05:59] Um, he had a heart attack. [00:06:02] I think that's fair to say at this point, there's no, you know, no way to be a thousand percent sure, but all the signs suggest that's what it was. [00:06:11] And, uh, you know, without getting into, uh, the, the details, my side of the story is like, I was at Epcot with my brother, Jeremy. [00:06:26] So at least we were together. [00:06:28] Um, Jeremy gets the call and, uh, you know, we were, we were in that little tequila bar, uh, hanging out with a friend of ours who works there. [00:06:40] And, uh, the tequila bar inside of the Mexican pavilion pyramid. [00:06:44] And, uh, he had just brought us out the three kind of specialty cocktails that they got going on right now. [00:06:53] Uh, which is, uh, you know, wasn't, we are in a great time. [00:06:57] It was a lot of fun. [00:06:58] And, uh, Jeremy gets the call. [00:07:00] We process a little bit. [00:07:02] We realized like, we got to get home. [00:07:04] We got to figure this shit out. [00:07:06] You know, he's, he's a, he was a former emergency responder. [00:07:09] So he's really good at, uh, at thinking through the logistical things that you have to do with a relatively cool head. [00:07:16] It, you know, he comes across as like, you know, not drill sergeanty, but somebody who's like, you know, part of being calm and collected in an urgent situation is you have to be very direct. [00:07:28] And boom, boom, boom, boom. [00:07:30] So that was as soon as he knew what was happening. [00:07:35] That's the mode he flipped on. [00:07:37] And the mode that I flipped on was intense, uh, metabolization is the best word I can think of it. [00:07:44] Cause like you have like, like, like, like the saves take four shots of liquor, right? [00:07:48] You will metabolize that at whatever speed you do, and it'll hit you really hard and maybe you'll black out and maybe you'll, uh, you're a slower burn. [00:07:56] But for me, I feel, I feel things, whether they're chemical toxicology report showing up things or emotions, I tend to feel them extremely intensely and, and, and, and, and in a relatively brief burst, you know, uh, if you ever lit in a strip of magnesium on fire, which for some reason I did several times. [00:08:19] I was in, in, in different science lab classes as a kid, it brights, it burns real bright and real hot, but not for very long. [00:08:27] So while, while Jeremy was in his, you know, we got to figure out what to do mode. [00:08:33] Uh, we got to get out of here. [00:08:35] Uh, we gotta, you gotta, you know, we gotta book the next flight to Michigan to take care of this shit. [00:08:43] I was in, I'm going to, I'm going to just take a little, I'm going to pop a little deep squat here in Epcot, uh, right outside this bar. [00:08:56] And I'm going to just allow my vision to get blurry, which it did. [00:09:04] Um, my heart to race, my stomach to turn. [00:09:08] And I just needed that, you know, you lose track of time when something big and, and, and, and, and earth shaken happens. [00:09:20] I [00:09:22] snapped out of it is, you know, it's, it's crude way. [00:09:31] Words don't, words that you use for everyday things end up getting used for big life-changing things. [00:09:40] And it makes it feel smaller. [00:09:43] So even though I'm verbally processing every time I tell the story or think through it and, and talk it out. [00:09:53] I, I, I, I kind of came to my normal Justin senses pretty quickly, uh, where normal Justin senses means, you know, back in the bar, you know, everyone's, you know, who'd heard was upset and immediately like they're in their own kind of sense of shock, even not knowing my dad. [00:10:14] And I, I was, you know, uh, comforting them immediately and, you know, just asking our host, Hey, you know, because as a, as a staff member, he, he's able to get us out of the park a little bit more expeditiously, uh, than having to go all the way out and do this big, you know, what would have felt like a 15 minute walk of shame out of a theme park. [00:10:39] And, uh, yeah, anyway, so he got us out of there, we got home, booked flight, got, went up to Michigan the next day, uh, pretty much immediately. [00:10:50] And, and, and, and, and, and kudos to my brother for, for having that serious first response. [00:10:56] Cause like my first response after asking for, Hey, get us out of here was to see those three specialty cocktails on the table and be like, well, that, that would be a waste and B I could probably use a drink. [00:11:08] And so I, you know, one of them was a sake and, uh, mezcal infusion. [00:11:13] And I was like, well, they'd already poured it. [00:11:16] So I just threw that back on, on my way out the door. [00:11:18] That was probably a good move. [00:11:21] Uh, so we got up to Michigan, right? [00:11:25] And I don't want to tell anyone else's story about how, how they work through stuff and families. [00:11:31] Everyone processes things differently. [00:11:34] Uh, uh, so I'll skip all that shit. [00:11:36] I'll just say that like pretty quickly, the service planning, like that takes over, you know, the, uh, this is the first time I've had an immediate family member pass, but pretty quickly you're like, all right, well, there is this kind of, you know, process. [00:11:53] It's like not dissimilar from wedding planning, but instead of having six months, a year, or if you're an elder millennial, like eight years to plan, you have, uh, a few days. [00:12:07] And fortunately, uh, uh, dad had just by coincidence of, of, of another, uh, person we know passing had found a funeral home that he really liked. [00:12:18] And he, he said he wanted to do that one. [00:12:20] So that, that was off the table. [00:12:21] That was, that worked out. [00:12:23] But, uh, then, you know, even, and that was helpful. [00:12:28] That was really helpful to sit down and, and, and, you know, of course you go to the funeral home, you talk to the funeral home director and super sympathetic there. [00:12:35] It takes a certain kind, right? [00:12:38] A person, you know, you gotta have the strategically placed tissue boxes all over the place and then know when to stop talking and when to hand it and when to back away. [00:12:46] And, you know, dude is an absolute champ, but he's also done this before and he knows the questions to ask. [00:12:55] And it's not to like boil it down into a questionnaire, but it, it's a questionnaire. [00:13:00] It's like, Hey, what do you want? [00:13:01] How do you got to do this? [00:13:02] You know, you're being bang, boom. [00:13:04] What? [00:13:04] And fortunately, uh, collectively we came to the table with a lot of answers to a lot of those stock questions at the ready. [00:13:15] Um, but the thing that stood out to me was, you know, there's going to be a service we're going to have to write an obituary. [00:13:22] They gave us a start and, um, a start is actually the perfect thing to give me when it, when it comes to writing, you know, if you give me a blank page, it could take me all week. [00:13:32] But if you give me something I don't like and like me not writing in a hurry would result in the thing I don't like going out, then all of a sudden I get the motivation to go and write some shit. [00:13:46] So we, we, we, we, we worked together and we cleaned up the eulogy or the, excuse me, the obituary, all these terms you only use sparingly. [00:13:55] Occasionally, uh, got the obituary out, had a tremendous response, maybe from some of you because it was up on the website. [00:14:05] Had a tremendous response from people. [00:14:07] Everyone was shocked. [00:14:08] You know, no one expected that, uh, dad had a tremendously large social network being a dentist for 45 plus years in a community of people who loved him. [00:14:20] And he was genuinely, you know, an incredibly kind and friendly guy everywhere he went. [00:14:26] Uh, so, so that was good. [00:14:29] And you re and, and it was the obituary that made me realize like, well, I, you know, I knew this intellectually, but be like, oh yeah, like next few days here are for them. [00:14:37] It's for everybody else to understand process grief. [00:14:42] And so as soon as the obituary out, I was like, all right, next eulogy time. [00:14:48] So I, uh, I approached it as soon as I knew it's a, when I know something's for me, I let it be for me. [00:14:58] I'm not, I've, I accept myself. [00:15:00] I love myself and take care of myself as best I can. [00:15:03] I don't, I'm not a martyr, right? [00:15:06] Like I don't push down my needs and interests for the sake of other people. [00:15:12] To the point of other people's viewing it as selfish sometimes. [00:15:15] And increasingly over the years, I'm viewing it as like, maybe you, maybe it's the children who are wrong. [00:15:21] Maybe this is just the way to be, because it turns out that when you take good care of yourself, you can show up for other people. [00:15:26] Well, right. [00:15:26] So anyway, I, I, as soon as I knew that like the point of the service wasn't for me, the point of the service was, uh, the other people in the room who, who, some of whom drove hours and stayed overnight in hotels to come be there. [00:15:42] It was, it was to give them something. [00:15:46] So as soon as that bit flipped in my brain, it became very easy to write a eulogy because I, I approached it like work. [00:15:56] I approached it like a conference talk or yeah, like it, I didn't actually open keynote, but I thought about it because that's how, that's how I tend to storyboard and work out conference talks. [00:16:09] And I, I thought about like, well, maybe I just do that and I just don't show the slides, you know, because I think it would be possibly inappropriate to, to have a PowerPoint presentation at your, I, at a funeral. [00:16:23] I don't know. [00:16:24] I guess I had to make one anyway. [00:16:26] We'll talk about that. [00:16:29] So anyway, writing, the eulogy took over. [00:16:31] It went smoothly. [00:16:33] It, I liked how it turned out. [00:16:35] If you subscribe to the newsletter, you'll get a copy of it. [00:16:38] So, so justin.searles.co slash newsletter. [00:16:41] It's called Searles of Wisdom, which of course, you know, me making that sound kitschy right now in this rather grave moment might sound inappropriate to, to, to shill, but you will get a copy of the eulogy. [00:16:53] I'm happy with it, how it turned out. [00:16:56] I, uh, as soon as I wrote it then, of course, and this is what I'm trying to illustrate is like everything just became task A. [00:17:03] Like, okay, task A is complete, task B, no real time in there for processing and thinking through things through. [00:17:11] Uh, so the eulogy took over, wrote it, and as soon as I'd written it, I was now task C, I gotta deliver it, you know. [00:17:21] I don't typically read a script when I speak, uh, but I had to write it all out as if it was being spoken. [00:17:32] And I had to even practice and rehearse it as if I was reading it because I knew that in an emotionally, you know, the best way that people seem to talk about this is like, it's, your emotions are close to the surface as if like any little tiny thing could just break the surface tension and, and, and spill over. [00:17:51] Right. [00:17:52] I knew that out of my control, I might, I might tear up. [00:17:56] I might cry. [00:17:57] I might need a minute. [00:18:01] While delivering this. [00:18:02] And so I, uh, I, I practiced it to be read, but I knew like, man, there's just a, there's a, I call it a 5%, 10% chance that I just have a fucking breakdown and I can't get through this thing. [00:18:18] And the anxiety in the day and a half leading up to the service worrying that I would fail as a public speaker outside the context of, you know, sure. [00:18:32] Everyone would give you a break if your dad just died. [00:18:35] Right. [00:18:35] But this is like the last thing I'm doing for him, you know, in a, in a publicly meaningful way. [00:18:40] And it's also a skill that I've spent a lot of time working on. [00:18:45] And so I wouldn't for me to fail at that by, by breaking or by even, even just failing to deliver it successfully and in a, in an impactful way would have been hard for me. [00:19:05] And it would have been something I probably would be ruminating on here. [00:19:08] We are a couple of weeks later. [00:19:10] And as a result, what happened is the same thing that happens before I give a conference talk in front of a bunch of people at a conference or whatever. [00:19:18] It's the, the, the, the, uh, stress hormone gets released, the adrenaline and the cortisol starts coming out. [00:19:26] And so the morning of the funeral, everyone else is kind of approaching it their own way. [00:19:31] And I'm like, it's game time, you know, like I, I'm dialed in my, you know, all of my instincts are about just getting through that five to seven minute speech. [00:19:47] And no emotional response before then. [00:19:50] And afterwards, to be honest, the biggest emotional response afterwards was the relief of successfully. [00:19:57] And I did successfully deliver it. [00:19:59] And, uh, and then as soon as task C of delivering it is done, then task D starts of now it's the end of a funeral service. [00:20:08] And you've got a receiving line of all these guests coming up and they, you know, they're, they're approaching the open casket and they're, they're coming to, you know, hug you, talk to you. [00:20:17] See how you are. [00:20:18] And there's a performative aspect to that, right? [00:20:22] Like you gotta be like, all right, who's ready for lunch? [00:20:24] That would be inappropriate. [00:20:25] Right. [00:20:26] But the, you know, also talking about how, like, oh, I'm actually mostly focused on how I did a good job. [00:20:32] Giving this speech would separately be maybe, you know, off color, but these are the things that go through our brains in the, in these high impact moments. [00:20:43] When you just have to, when, when, whenever a situation dictates that your behavior be misaligned or the statements about oneself be at all discordant with what's really going on inside you in that literal moment. [00:21:08] And so, so I did my best, uh, of course, to make it about other people and see how they're doing and answer their questions in as, uh, productive a way as possible. [00:21:20] Right. [00:21:20] Give them answers about myself that gave them the things that they needed was my primary response all through. [00:21:29] And then, and then through that, and then task E, the wake. [00:21:32] Right. [00:21:33] And, and, uh, you do, you, you do that. [00:21:35] And then suddenly, uh, well, now you have task F after, after all that stuff of like, okay, well, we've got all this leftover food we got to take home. [00:21:42] So it's like load up the car and, and, and, and help everyone out and see everyone on their way safely. [00:21:48] And then, you know, you're exhausted and you want to just go back and, and, you know, get out of this fucking suit that barely fits. [00:21:58] Nope. [00:21:59] Task G is you got to go turn around, drive 20 minutes in the opposite direction to go back to the funeral home, to pick up all of these flowers. [00:22:05] Cause you, you tell people not to send flowers. [00:22:07] Uh, you, you say, you know, in dad's case, donate to the humane society, but people send flowers. [00:22:14] And then, you know, what do you fucking do with them? [00:22:16] Right. [00:22:17] It's like, well, here's look, if you or someone you're affiliated with sent flowers to this particular funeral, I'm deeply grateful. [00:22:25] And I had a moving moment, actually looking at all the flowers of friends of mine, people who never met dad. [00:22:31] Most of the time, a couple of our neighbors, right. [00:22:35] Who we don't really know well, but they're just really lovely people. [00:22:38] They, they did a bouquet and it was really nice. [00:22:40] You know, flowers are beautiful, but. [00:22:49] Like a cigarette can be really, really nice, but a carton can be a lot. [00:22:53] Uh, you know, a cocktail can be really nice, but drinking a whole fifth is problematic. [00:23:00] When you have so many bouquets that you can't fit them into your vehicle and also the people in the vehicle. [00:23:06] It's all it's, it, it just, it, it becomes a work. [00:23:10] Right. [00:23:11] And so that's what, you know, that's one of the ways in which having this service like this become sort of, you know, like less about the immediate family and more about the surrounding, you know, network of people that somebody knows. [00:23:24] And maybe this is all common sense and, and I should have been more conscientious of this going into the experience, but looking back on it, uh, I was just sort of like, all right, well, here's next task is figure out how to cram all these flowers. [00:23:39] And then you get home and it's like, where'd all these flowers go? [00:23:43] And so you just kind of scatter them throughout the house. [00:23:48] Uh, but they're all, you know, like they're not invasives or they're not like going to survive the long winter. [00:23:53] Like they're, they're now all on their own separate week to two week timer of themselves dying and needing to be dealt with, which is like, you know, a, let's just say an echo or a reverberation of like kind of what you're thinking about. [00:24:07] So maybe, okay, look, I don't want to spend this whole fucking podcast talking about a funeral. [00:24:15] I realize it's like maybe a bit of a downer, but you know, there's other stuff going on to like, I skipped a whole fucking half day activity. [00:24:25] Actually is wedge a task in there between B and C if you're for anyone playing the home game and keeping track of this, not that it's that complicated, uh, you got to come up with a slideshow, right? [00:24:39] So you've got the visitation before the service and we also had it the night before for anyone who couldn't make it or, you know, maybe acquaintances and whatnot, who didn't feel like going to the whole service, whatever it is. [00:24:57] You got to come up with a slideshow, which is theoretically easy these days because there's so many goddamn pictures of all of us. [00:25:04] It's theoretically easy because you have tools like, uh, shared iCloud photo libraries, uh, and shared albums, which, you know, as soon as somebody suggested a shared album, I went into my like pre canned speech. [00:25:20] And I think of, well, actually shared albums predate, you know, modern ways of sharing photos in the photos app. [00:25:25] And so whenever you put anything in a shared album, Apple compresses it pretty badly. [00:25:30] It, it downscales the resolution. [00:25:32] It also, you know, adjusts downward, the quality of the image. [00:25:39] And I got halfway through that spiel and being like, you know, this is going to go up on a 10 ADP TV in the back of a room. [00:25:45] Like it's fine. [00:25:46] That's not the issue. [00:25:47] But then the next issue is, you know, everyone goes in the people and pets and photo library, sees all the pictures of dad that aren't bad. [00:25:56] And we all dump them into the same shared library, shared photo album, which is like, like, that's no one's fault, but mine. [00:26:02] I told people just do that and I'll clear them out. [00:26:04] But then you wind up with, and it turns out, this is how that stupid fucking system works. [00:26:09] The shared photo album will treat all of those duplicates as distinct. [00:26:14] And there's, even though there's duplicate deduping now in the photos app, it does not apply to shared library, shared photo albums. [00:26:21] And on top of that, if somebody adds something to a shared photo album, they can remove it. [00:26:27] But for somebody else, like, like, let's say I added a photo of dad that Becky didn't want in there. [00:26:33] Well, Becky can't go in and remove it. [00:26:35] Only the organizer can remove it or the person who posted it. [00:26:39] So then I had to be the person going through and, like, servicing any requests people had for photos to, like, ban from the slideshow. [00:26:46] Because for whatever reason, you know, it's a sensitive time. [00:26:49] And then after it was all done, you realize the slideshow tools don't work correctly. [00:26:56] Like, just the play button and all the different options in the Mac, like, just don't work correctly in a shared album. [00:27:01] Because, of course, they don't. [00:27:02] So then you've got to copy them all. [00:27:07] You thought I was talking about feelings, but it all comes back. [00:27:11] All comes back to Apple shit. [00:27:13] So you've got to copy them all into your photo library, whoever is going to be running the slideshow. [00:27:17] Create a new slideshow project from there. [00:27:20] Dump them all in there. [00:27:22] And then realize there's no, once you've dumped shit into a slideshow project, there is no way to reorder them. [00:27:27] Short of manually drag dropping extremely slowly in a left-right horizontal scroll dingus. [00:27:34] And you've got 500 pictures or something, just fucking forget about it. [00:27:37] And on top of that, I had all these dupes. [00:27:40] Like, I had manually de-duped as best as I could before. [00:27:43] But first question I get half an hour into the visitation is like, yeah, it just seems weird. [00:27:48] Because, like, there's this one picture of me that's going to come up, like, four times. [00:27:52] I was like, I'm sorry, bud. [00:27:54] I said, oh, it's randomized or whatever, you know. [00:28:01] So after you get all of those into a photo slideshow project, and successfully, I installed amphetamine, which will keep your screen awake. [00:28:11] And you plug that into HDMI, and you know how to put a fucking Mac on a TV. [00:28:15] I don't need to tell you that. [00:28:16] After all of it was done and I got home, the two days later I realized, oh, yeah, shit. [00:28:24] Because now my photo library is full, all of the most recent photos are just shit that was copied, that was already initially in my photo library anyway. [00:28:32] And none of them are showing up in the little dupes thing, of course, because it needs days to analyze on Wi-Fi. [00:28:39] So I went to the recent imports or recently saved tab, and then I had to manually go through and delete, like, 1,400 pictures of my dad. [00:28:50] And then hope that, like, I wasn't deleting one that wasn't a dupe. [00:28:55] So I had to go through and, like, manually tease these out. [00:28:59] It took me a fucking hour and a half. [00:29:02] And, yeah, so then I deleted all those to kind of dedupe it, because I was confident I had copies of all those pictures already somewhere else in the library. [00:29:11] That could have been smoother, is the short version of this story. [00:29:16] And, of course, there's no goddamn good software that does this. [00:29:20] There are two people who have made apps that simply shuffle photos in a slideshow. [00:29:26] And they're bad apps. [00:29:27] So they look old. [00:29:28] It's like they basically had to reinvent slideshow stuff, including the software and the shuffling and the crossfades and the Ken Burns effect and the music and all the stuff that the Apple product does. [00:29:38] They had to reinvent all that just to have a shuffle button, which is what you probably want, especially if you've got a mix of scanned photos and, you know, contemporaneous photos. [00:29:50] Because there's no way you're going to make the timeline actually contiguous. [00:29:54] So instead, like, well, here's, like, a bunch of photos between, like, 2003 and 2017, because that's the digital photography era. [00:30:05] And then in 2018, when we scanned all of our photo albums, suddenly it's just all of the photo albums in random order. [00:30:12] And then you have 2019 to 2024. [00:30:15] Like, it's not a cohesive experience. [00:30:20] Now, I would say, well, you know, it's a visitation. [00:30:23] People are coming and going. [00:30:24] They go in, they visit the casket, and they spend time chatting. [00:30:28] But, like, they don't, though. [00:30:30] All the chairs are pointing at this TV, and people just sat there for more than an hour. [00:30:36] They'd watch multiple. [00:30:37] Like, I thought that having a 45-minute long slideshow, that pacing would be okay. [00:30:43] People watched it two or three times while they chatted, you know, just the state of, the lack of kinetic energy throughout the entire experience of somebody passing. [00:30:54] You know, the phrase sit Shiva from Judaism. [00:30:58] Like, I am somebody who is relatively uncomfortable just sitting around, around other people. [00:31:06] I'm happy to sit around by myself. [00:31:08] I'm doing it right now. [00:31:09] I'm actually pretty good at it. [00:31:10] Ask anybody. [00:31:11] But to not have an activity with other people, and also not to have, like, interesting conversation to have with other people, [00:31:20] to just have to be around and with other people, is really goddamn hard. [00:31:25] And I suspect I'm not the only one who feels that way. [00:31:28] Hence, everyone just staring at the slideshow and making a comment here and there. [00:31:32] So, a couple things did jump out at me about that service and about the visitation, though, that were interesting. [00:31:40] One was, Dad had mentored a couple of younger dentists in his last couple years practicing. [00:31:48] People who had intended to take over the practice. [00:31:51] That's his own long story. [00:31:52] But they were, my age or younger, probably younger, definitely younger, come to think of it. [00:31:59] Splendid people. [00:32:00] Like, super upbeat, super duper energetic, just, like, fun. [00:32:05] They forced my dad to do stuff like go fishing and get out and do things that he normally wouldn't do. [00:32:13] And they blew me away by just saying, like, you know, dad was 72. [00:32:18] He was like, this guy, most dentists, when they get older, the hands get shaky. [00:32:25] Their craft gets sloppy. [00:32:28] But your dad was, he, he, I think he said, he set the standard. [00:32:33] He was just a beast. [00:32:34] He was, and I was like, what do you mean? [00:32:36] Like, actually, I've never really talked to anyone about his craft, right? [00:32:41] Because he didn't want to talk about it. [00:32:44] He was like, his prep work and, and, and how he prepped for each procedure was meticulous and perfect every single time. [00:32:53] And his technique while doing things was, was like, like phenomenal. [00:33:00] And they went into a handful of specifics for me. [00:33:02] And that was really special to me because I, like, I, I know that about myself that I'm chasing this asymptotic goal of perfection, but I didn't have evidence that my dad was as well outside of just stuff around the house. [00:33:16] And you can say that, well, that's perfectionism and that's OCD. [00:33:19] And we both have like, you know, traits of that too. [00:33:20] But the, that was really interesting because everyone had only ever experienced my dad as a patient or somebody who's like really, really gregarious and friendly and good at comforting patients. [00:33:33] But yeah, their stories were really, really encouraging. [00:33:39] And that was, that was one where it's like, I was glad to be able to walk away from that series of experiences and learn new stuff about my dad, uh, new stuff that rounded out the story of him in my mind. [00:33:54] Uh, so I'm really thankful to those guys, uh, because they were able to dive in and baby bird for me, explain like I'm five, like the ways in which he was a great dentist, which is just a thing that like, you know, everyone. [00:34:08] How do you rate your dentist, right? [00:34:10] Well, he's good at comforting me. [00:34:12] He's good at explaining things. [00:34:13] He doesn't upsell me a lot. [00:34:15] You know, I'm not afraid when I'm in the chair with him. [00:34:17] And then afterwards things seem to go pretty well, but like, really like the, the work is a black box. [00:34:22] You can't see what's going on in your fucking mouth. [00:34:24] You're, you're conscious. [00:34:25] You know how you feel before and how you feel after, but it's, uh, that was really cool. [00:34:31] Uh, the other, uh, another dentist that worked for him earlier in, in, in, uh, his career, uh, she, she had previously lost her dad and she said, you know, she said something that felt at the time, extremely true. [00:34:47] That a funeral is like having to host the worst party ever. [00:34:51] Uh, so that just to put a cap on it, that's, uh, accurate. [00:35:00] It felt like a party because I got to see a whole lot of people, friends from college, you know, Mark Van Holstein, the president or former president, but co-founder, founder of, uh, mutually human software in Grand Rapids. [00:35:10] You had my former housemate. [00:35:11] He came out, uh, uh, other kid, uh, other friends from, from middle school, high school made the trick, trick, trick, trick, Jeff and Dan. [00:35:21] It was really great to see so many people under, you know, suboptimal circumstances. [00:35:28] And then of course the whole set of extended family where it's like weddings and funerals, huh? [00:35:33] And then like the obligatory, like, yeah, we should really figure out a way to see each other more. [00:35:37] And it's like true. [00:35:38] And no one doesn't feel that way. [00:35:40] It's just like structurally unlikely the way people's lives work. [00:35:44] Uh, and so there's a sort of, uh, uh, nihilism is definitely the wrong word. [00:35:52] There's a sort of resignation that one has about what even are weddings and funerals and why is it that there's this whole cast of characters in your life that are important or close to you and via affiliation or history in some way. [00:36:12] But that you only see at these really like, like, like, like loud life events where it's a big, the background sound is a huge gong going off that distracts from actually getting to know the people. [00:36:26] If you just, you know, picked them on a random Tuesday and went to lunch, you'd probably learn a lot about the person. [00:36:31] But if it's just in the context of like, you know, like looking at, you know, a tray of sandwiches and having to find something to say, it's all going to be sucked in by the event. [00:36:41] And that's too bad, but that's, that's life, I guess, uh, tasks, you know, H through Z day after I, I had intentionally put off any sort of like looking at stuff, like, like thinking about the logistics, uh, the finances, the legal side, the, all that stuff, life insurance, yada, yada. [00:37:06] Uh, but then, you know, it was a lot of that, right. [00:37:09] For, for the rest of our trip, we were there for, for, for 11 days. [00:37:12] I would say skipping a lot of the minutiae because I, of course, you know, when the, when the, when, when a, when a household had a household or breadwinner passes and they didn't leave instructions, like you got to go and do the forensic analysis to figure out like, what are all the, where is everything? [00:37:32] Right. [00:37:32] That's, that's what it was. [00:37:34] It's all fine. [00:37:36] But the, uh, the tech support son, which is like my, you know, uh, it's not an official designation, but, uh, you know, it's a, it's a role I've stepped into and I feel like I've grown into pretty well. [00:37:48] One of the things that jumped is, all right, so we got a couple of things going on. [00:37:54] One, my mom is in an Apple family organized to buy my dad's Apple ID. [00:37:59] Now what? [00:38:00] All the purchases have been made in general on dad's Apple ID, including their Apple one premiere subscription. [00:38:06] Okay. [00:38:07] Well, you know, next eight, you can imagine my next eight Google searches or coggy searches. [00:38:13] All right. [00:38:14] Well, how do you change head of house or organizer of a family answer? [00:38:19] You cannot. [00:38:19] Okay. [00:38:20] Well, how can I transfer the purchases from an organizer to somebody else in the family? [00:38:28] You cannot. [00:38:28] Okay. [00:38:29] Is there a process by which I can make somebody sort of like a legacy page on Facebook, a legacy [00:38:35] human Apple ID? [00:38:37] No. [00:38:39] Okay. [00:38:40] So what do I do? [00:38:41] And they're like, well, you can call Apple support and they may need a death certificate, [00:38:45] but then you can call them and then they can do some amount of stuff, but some, but you don't [00:38:52] get to know what. [00:38:52] And once you kind of go through that process, the Apple ID gets like locked out or that's a, [00:38:57] that's a risk. [00:38:58] And all the sort of, you know, contingent, other things related to that. [00:39:02] I was like, all right, well, I don't necessarily want to do that as a first resort, but I do got [00:39:09] to figure this out because having just like this extra Apple, having this whole like digital [00:39:14] twin to borrow a, an industry term, continue to be a part of a, you know, an Apple family, [00:39:22] a one password family or all this for years into years, just because the software companies [00:39:27] don't make it logistically possible to die. [00:39:30] Uh, that seems great, you know, like, like, so working through that, you know, like I, I still [00:39:38] don't quite have a solution to that. [00:39:39] I'm just going to get through a couple of billing cycles on all the other stuff first, [00:39:43] before I think too hard about it. [00:39:44] Just kidding. [00:39:45] I've thought really hard about it and I've got a 15 step, you know, uh, set of to do's, [00:39:50] but they're just gonna, I gracefully, mercifully, I mercifully punted them two weeks into the [00:39:56] future. [00:39:56] Uh, I, one of the biggest things other than the Apple family stuff was my, my dad had just [00:40:09] bought a new iPhone 16. [00:40:12] I, and he set it up and all that stuff, but my mom was on an older one, like a 12 pro or a 12 mini or a 13 mini. [00:40:19] And it didn't make sense to leave her with the old phone and the new 16, just like in a drawer, [00:40:30] it made sense to give her the new phone. [00:40:33] Right. [00:40:34] Otherwise that the other phone's old enough. [00:40:36] It's like, I'll just be back in six months or, or, or, you know, like we'll, you'll be wasting [00:40:39] money. [00:40:40] So, and that, you know, just like deleting photos of your dad because of a stupid duplication bug, [00:40:45] having to go through a whole bunch of hoops to, to migrate one phone to the other was like the [00:40:50] next challenge. [00:40:52] Cause here was why it was thorny, right? [00:40:54] If, if all of the bank accounts and multi-factor authentication against banks is almost exclusively [00:41:03] SMS, right? [00:41:04] Cause they didn't get on the bandwagon for a, a T O T P or, you know, like you scan the QR code and you [00:41:11] get an authenticator app to, to show it. [00:41:13] And because they, they certainly don't support pass keys. [00:41:16] Uh, we can't just turn off dad's cellular line until we work through all the financial stuff. [00:41:22] But at the same time, okay. [00:41:25] So like if I'm resetting dad's phone and moving mom's stuff onto dad's phone, then how do I [00:41:30] transfer, how do I get these, how do I make it so that dad's SIM doesn't just disappear? [00:41:35] Cause like last thing I want to do is have to call T-Mobile and explain, and then set up the [00:41:41] old phone from scratch and then have them like, I guess, restart the e-SIM process over the phone [00:41:46] on Christmas, you know, Christmas Eve or whatever. [00:41:51] So I, um, I came up with like a towers of Hanoi solution that I actually kind of liked. [00:41:56] What I did was I transferred dad's SIM from the 16 to mom's 13, call it. [00:42:03] So now she had two SIMs on her phone. [00:42:05] She had her primary SIM and dad's SIM, uh, e-SIM. [00:42:09] Uh, uh, and then I, oh, and the 13 or the 12, whatever has one physical and one e-SIM. [00:42:17] And she fortunately had a physical SIM in there. [00:42:19] So she was able to, to, to receive dad's old e-SIM. [00:42:22] So now the 13 of that stage has a physical, a physical nano SIM and an e-SIM. [00:42:27] And then that allowed me to go to dad's phone, back it up, of course, and all that, and then [00:42:32] wipe it. [00:42:33] Cause it had no cellular plan on it. [00:42:35] And then you set it up new, you set it up for mom. [00:42:40] And during that wizard, you know, you do the direct transfer, they're connected via, you [00:42:45] know, USB cables or whatever. [00:42:46] You set it up for mom. [00:42:49] And she has to, she, it says, Hey, you're ready to transfer your cellular plans. [00:42:56] I'm like, yes. [00:42:56] And then I, it's, I realized it's not, you click, you tap one in it and a check box goes [00:43:02] up next to that number. [00:43:03] And then you check the other one and the check box, the check mark moves. [00:43:07] It's clearly like it doesn't support actually initializing a phone with two SIMs, which means [00:43:14] now it's like, okay, so I'll move for a primary SIM first as part of this direct transfer. [00:43:20] And then the direct transfer, because her router was simultaneously and coincidentally failing, [00:43:25] the direct transfer failed because the wifi timed out. [00:43:30] And when you're in the direct transfer mode between two phones in that setting, you can't [00:43:36] like get to control center and turn off the wifi nick. [00:43:39] So then I've got these two phones that I can clearly tell are timing out in the activation [00:43:43] process while the SIM is moving. [00:43:45] And I'm like, fuck sake. [00:43:47] But it's also like a mesh router and there's three mesh access points throughout the house [00:43:52] and I don't know where they are. [00:43:53] So I, I can't just unplug them and make the SSID go away. [00:43:57] So then I would like throw on my winter coat, it's fucking freezing outside and I start marching [00:44:03] down the street until I can get to like far enough away that they both lose the wifi signal [00:44:09] so that the transfer doesn't fail. [00:44:11] So I, it took 15 houses. [00:44:14] I'm, you know, in, in, in, in, uh, uh, my winter coat, 15 houses, they finally get onto [00:44:21] five G and then the, the, the transfer starts succeeding. [00:44:23] And then I start walking back and then it's just instantly says failed. [00:44:26] So then I get back to the house, start the whole thing over again. [00:44:30] And now of course, mom's primary SIM is like trapped on the first phone or the second, the [00:44:36] new 16, but in setting it up again, it doesn't see it anymore because like it was just at that [00:44:41] perfect moment when all the e-sim juice lands in the 16 or whatever. [00:44:48] So I started the whole process over again. [00:44:50] I, I, I set it up fair and square and then I, I, uh, uh, it all went fine after a few hours. [00:44:59] And then the last thing it does is the 13 or whatever says, Hey, okay, time to delete [00:45:04] me. [00:45:04] And then it's like a, basically two taps and you've deleted the phone that just was the [00:45:08] sender or the old phone in the transfer process. [00:45:11] And I almost habitually clicked it. [00:45:13] And I was like, wait, no, that will delete the SIM, the e-sim. [00:45:16] So click, no, cancel out of that, restart the phone. [00:45:20] And then, and then you can transfer that second SIM back to the first one. [00:45:23] So like when that was just two phones, just moving to e-sims, like again, you know, note [00:45:28] to Apple, like this could probably be made easier. [00:45:31] Uh, it's just, it's edge cases like this, that all software companies are really, really bad [00:45:37] at, uh, especially ones that don't have a great track record of automated testing and stuff [00:45:43] like, so I get it. [00:45:45] I know why it happened. [00:45:47] The other thing that sucked was a dad had an Apple card and if we're not going to have [00:45:52] a phone with dad on it, you don't want, there's no other fucking way to cancel an Apple card. [00:45:57] You have to be on the phone that has the Apple card to cancel it. [00:46:01] But if there's no phone with Fred on it, like that meant I, that forced the issue. [00:46:05] Like I'm not, I'm putting off all the financial stuff, right? [00:46:07] But I had to cancel the Apple card, but I had a balance. [00:46:10] So now I've got to like pay a balance on this Apple card. [00:46:13] And of course the banking connection, he didn't like, like it expired or something. [00:46:18] So I have to go and find the banking information. [00:46:21] I log in, whatever I hit cancel. [00:46:23] And it's, you can cancel the card. [00:46:25] It wants you to pay the balance first. [00:46:27] I tried to pay the exact balance. [00:46:30] It was $218 and 17 cents. [00:46:32] I, and I tried 15 goddamn times. [00:46:35] Uh, I changed to a different bank and it said insufficient balance. [00:46:41] And I was like, does that mean like the checking accounts overdrawn? [00:46:45] So then I'm panicking. [00:46:45] It's like, so I go into the bank account. [00:46:47] I'm like, is it easy overdrawn or what? [00:46:50] Hour of, you know, me retrying and doing this only to realize that there's a fucking bug, [00:46:58] a rounding bug of sub decimal sense. [00:47:02] Because when it said $218 and 17 cents as being the balance owed, it was probably a floating [00:47:09] point under there of $218 and call it 16.51 cents. [00:47:16] Because when I tried to do $218 and 17 cents, it failed. [00:47:21] It's an insufficient balance, which made me think insufficient funds. [00:47:25] But then I had the bright idea to try just one penny less than that. [00:47:28] And it cleared. [00:47:30] It meant that you can't make a payment on the card that is in excess of what is owed on the [00:47:35] card. [00:47:35] And it saw that fraction of a penny as being, oh, hey now, a little too generous. [00:47:40] So an Apple, you know, be good guy, Apple, making sure people can't overpay. [00:47:44] Also, the bad guy, Apple doesn't write tests or use, you know, appropriate data structures [00:47:50] for storing goddamn dollars. [00:47:52] Results in, I can't close this card out. [00:47:56] So eventually, so I got it down to one penny. [00:47:58] And then when it was down to one penny, it let me pay one penny, which is separately hilarious. [00:48:02] So I close the Apple card and then the Apple card says, all right, you're closed now. [00:48:09] The card is removed from all your devices. [00:48:14] Now monitor for the next few months and make payments against anything that shows up in [00:48:18] the statement, right? [00:48:19] Because like, that's how credit cards work. [00:48:20] Things don't post immediately. [00:48:22] I was like, well, I have no idea what was getting charged onto this thing. [00:48:26] What might hit it? [00:48:28] I'd scrolled through a statement. [00:48:31] I had a feeling it wouldn't be bad. [00:48:32] But then of course, like as soon as I wipe that phone, I even restored it. [00:48:36] I restored dad's Apple ID onto another phone because I had a burner phone back when I got [00:48:42] home just to see like, would it, would it, would it, would the, would it, the iCloud sync [00:48:47] work, you know, where your wallet shit just shows up in the new phone just magically after [00:48:52] setup. [00:48:52] And the answer is no, because the Apple card is closed. [00:48:55] So there's no reason to put the Apple card on the new phone. [00:48:58] People would be confused, even though it's just in this removed state of like, watch the [00:49:01] balance, which means now that once the phone gets wiped, there's actually no way to pay [00:49:06] a balance. [00:49:06] If one were to materialize, I guess it would just go to collections. [00:49:10] So now, you know, like, please don't post any transactions to my dad's defunct Apple card. [00:49:16] Cause like, I don't have any fucking way to pay it. [00:49:18] There's card.apple.com. [00:49:19] But like, that's just for downloading statements. [00:49:22] So great job, Apple, like you should really make it easier to die. [00:49:26] Like, fuck, fuck it's sake. [00:49:27] This is a, I realized this has been a lot. [00:49:33] I'm going to move right along. [00:49:37] While we were up, we wanted to just, we needed a break. [00:49:42] It'd been like day after day of the same, you know, emotional and logistical tumult. [00:49:48] Just a real grind. [00:49:49] So we want to go see a movie and like, like, uh, uh, Jeremy had expressed interest in seeing [00:49:53] wicked, which is an autobiography about Ariana Grande as a person, as best I can tell. [00:50:00] Real just, she seems like a piece of shit in real life, but also she got to play one in [00:50:08] a movie. [00:50:08] And so like, uh, it's like one of those things where it's like, well, that Bill Murray just [00:50:12] like plays himself. [00:50:13] And it just so happens that he is such a delightful and interesting person that everything he's [00:50:18] in is always amazing. [00:50:19] So I'm glad she got to play herself. [00:50:21] It seemed well acted, but I knew it was probably just who she is. [00:50:27] Uh, huge fan. [00:50:31] Uh, so anyway, we went to see wicked and all of a sudden, you know, we joked about it beforehand, [00:50:37] but like, I can't, I don't understand lyrics. [00:50:39] I have a thing I've got a, uh, a worm lives inside my brain. [00:50:43] And whenever there's a song playing, uh, that worm starts humming and I can't hear the lyrics [00:50:49] to the song. [00:50:50] I can't understand or discriminate where the words are starting and stopping. [00:50:53] I can't tell what is being said. [00:50:56] And if I can barely make it out, then I'm so overwrought and focusing on what's being said. [00:51:01] Then, then I kind of lose the thread. [00:51:02] Like I'll hear the individual words if I really focus, but then not understand what is being [00:51:08] communicated through lyrics. [00:51:10] At the same time, you go to a musical, you go to like, when I went to Hamilton, this was [00:51:15] like extremely clear. [00:51:16] It's like, Oh, I, I put, we went to Hamilton, uh, when, when Hamilton was still cool and not [00:51:21] seen as some sort of, you know, uh, uh, white supremacist whitewashing by putting BIPOC [00:51:27] people in, in these roles and whatnot, 2020 was a hell of a year, uh, when we went to [00:51:33] Hamilton, I got, they got through the first number and I was like, that was very impressive. [00:51:38] I, I appreciate the, this tonal, you know, interesting take. [00:51:43] This is like very like, like skillfully and artfully, uh, done. [00:51:47] Uh, and then, uh, you know, then they go straight into another song and I turned to Becky. [00:51:54] He was like, is there, is there no talking in this one? [00:51:56] Is there zero spoken dialogue in this? [00:52:00] And it turned out that the answer was yes. [00:52:02] And I was like, I don't understand anything. [00:52:04] And so, uh, when we went to Hamilton, which I'd paid a lot of money to go to, uh, I walked [00:52:09] to the lobby in the middle of the show. [00:52:12] And then I ordered like two thingies of wine, uh, which I paid a lot of money for the wine. [00:52:20] And then I got back to the seat, threw back both wines and fell asleep. [00:52:23] So that was Hamilton for me. [00:52:26] So here I am at wicked and we're in the first little ditty. [00:52:28] And I'm like, I don't understand any of these fucking words. [00:52:33] I don't, I don't know what's happening. [00:52:35] And I've got to worry that this is going to be a song heavy movie, which it was. [00:52:40] So I was like, you know what, like normally I'd be embarrassed to do this, [00:52:44] but I'm going to go to the front and say, like, I'm hard of hearing. [00:52:49] Can I have a subtitle machine dingus? [00:52:52] I knew that theaters had them. [00:52:55] I didn't really know how they worked or what they were, if they were any good. [00:52:58] But I was like, you know, for the sake of science and technology, I'm going to try the [00:53:02] subtitle dingus. [00:53:04] So I went to the front, I went to the little, like, you know, whatever ticket booth, and [00:53:08] they handed me a gooseneck snake thing where the bottom is like, it's like a, a drill that [00:53:17] would bore a tunnel, but it goes in the cup holder. [00:53:20] So it's like a cup holder drill and it screws in. [00:53:23] So it goes in the cup holder. [00:53:25] You screw it in to secure it. [00:53:27] And then there's a long gooseneck, a too long, in my opinion, gooseneck. [00:53:31] It's like probably two feet. [00:53:34] If you don't know the term gooseneck, like, like, like, like bendy, like, like, you know, [00:53:42] relatively thick, not a cable, but like a, like a pole that is pliable. [00:53:48] So you can bend it in all sorts of different directions to kind of adjust it. [00:53:53] And then on the top, it was a, a device that had a blinder on the top so that other people [00:53:59] weren't getting a whole bunch of illumination and seeing subtitles and a radio system in [00:54:05] the center, as well as like a kind of internal projector unit. [00:54:08] And so it was very interesting to see how these worked. [00:54:11] You would, and, and, and honestly, because I was uninterested in the Ariana Grande story, [00:54:16] I was mostly just futzing with, and it gave me something to do for the three and a half [00:54:23] hours. [00:54:23] By the way, I had been told that there was an intermission and I was told that because somebody [00:54:29] had in the game of telephone and said they broke it up into two parts. [00:54:32] So like I went in expecting an intermission and then we're like three hours in, it's almost [00:54:37] like 11 fucking o'clock. [00:54:38] And I'm like, I got to pee, but like, I hear there's an intermission. [00:54:41] How late are we going to be here? [00:54:44] So that was, that kept me busy too. [00:54:46] I had something else to do, but anyway, the, the, the subtitle machine was really interesting [00:54:50] because as you look at it and once you get it configured, right, you realize like while [00:55:00] I was walking down the, the, the corridor, it just said, Hey, you know, go inside the theater [00:55:06] or whatever. [00:55:07] When you go in the side of theater, it'll just start showing up. [00:55:09] And when I looked inside the theater, just at the, at the edge of the theater, it was like, [00:55:14] malfunctioning. [00:55:15] It said like something about an, a reader. [00:55:16] And then I realized, Oh, what's happening here is, and this is really one of those kind [00:55:20] of old school, cool technology, you know, innovations where they couldn't just use a digital system [00:55:27] for this per se. [00:55:28] Like a protocol, right? [00:55:30] Like if you were to build this today, these would be like lithium ion battery devices that [00:55:34] would have some charging dock and some kind of software that ran on, like on top of some [00:55:38] minimal Linux stack. [00:55:40] And then it would use the, the, the theater's wifi to send subtitles, which would require [00:55:46] all of this configuration, right? [00:55:47] Like, okay, now punch in on the touch screen on your subtitle device, like which theater, [00:55:52] which theater you're in and which movie time. [00:55:54] And we'll play it. [00:55:55] Right. [00:55:55] But instead, this was just like a short wave radio system. [00:55:58] So you'd be inside the theater and every theater you, you've never even noticed this. [00:56:03] Probably you're in the theater and you're watching a movie. [00:56:06] And the subtitle machine is just receiving these waves that you can't see because the projector [00:56:13] area, I presume is just always blasting out radio waves of the current line of dialogue. [00:56:20] You just didn't have the device to see it. [00:56:22] And so I got the thing screwed in with Jeremy's help because I'm not very handy and I got to [00:56:29] actually follow along the rest of the movie, which makes me an authority on, on, on being [00:56:34] able to say not that great. [00:56:35] Not very interesting. [00:56:37] I I'm on the Kinsey scale. [00:56:40] I'm all the way to hetero male, which means musical theater is not, doesn't come naturally [00:56:48] to me in terms of being like something that gets me real excited deep down there. [00:56:53] Uh, sorry if that's you, I'm just saying it's not it anyway. [00:57:02] Uh, yeah. [00:57:03] So that was, that was pretty cool. [00:57:05] Uh, other life stuff. [00:57:13] Well, the, the version, I guess tying a bow around the, uh, the trip up there and all [00:57:21] that realizing I've gone an hour on it now. [00:57:25] People, when you move from the Midwest United States to Florida and you do it because you [00:57:35] feel like the Midwest kind of sucks, you know, it's cold. [00:57:38] A lot of the time, uh, a lot of the rest belt States are, well, they're called rust belt. [00:57:45] They're dying economically. [00:57:46] There's less economic activity. [00:57:48] There's less new stuff. [00:57:50] There's less vibrancy. [00:57:51] Uh, when you move from the Midwest to Florida and you have a great setup there and lots of sunshine [00:58:00] and, and, and, and stuff to do people react in very different ways. [00:58:08] No one just says, Oh my God, that's so great for you. [00:58:10] I'm really, really happy for you. [00:58:11] Wow. [00:58:12] That sounds awesome. [00:58:12] I mean, some people kind of do, uh, a lot of people are either jealous or in some state [00:58:20] of denial or, or frustration by it, you know, like you feel abandoned or whatnot. [00:58:27] I think, I think the people who genuinely think the Midwest is better and the people who are [00:58:34] jealous, both end up asking the same question of us Midwestern expats. [00:58:41] And that, that question is, do you regret it yet? [00:58:44] God, I've been down here for four years. [00:58:48] Right. [00:58:49] And here I am. [00:58:50] My dad just died. [00:58:52] Just put on a funeral, you know, staying at a Hampton Inn. [00:58:57] Huh? [00:58:59] A Hampton Inn where like, it was a great experience. [00:59:02] The staff were really great, but like they had a desk in the laundry room that was never screwed [00:59:07] in or, or, or secured properly. [00:59:08] So I set down my brand new MacBook pro and a Coke, a can of Coke. [00:59:13] And then it just collapsed all of it all at once to the floor. [00:59:17] So my MacBook got soaking wet and Coke. [00:59:19] And also the, the unibody enclosure got super scraped up. [00:59:23] And, uh, the, the day before the funeral, I was all, you know, in a lot of neck pain from, [00:59:29] from the fall and the general manager still hasn't gotten back to me. [00:59:33] It was gray outside. [00:59:35] It was cold. [00:59:37] You know, and I, and I was struggling like for activities and things we could do as a [00:59:42] family and, and settled. [00:59:43] Uh, and the best, most entertaining thing to do was the Ariana Grande story. [00:59:50] And they ask, do you regret it yet? [00:59:52] Like totally just straight. [00:59:56] Every time we go back, I thought like, this is going to be the trip. [01:00:00] I go back and I don't have a single person ask me that, but then it came up relative at the [01:00:06] wake. [01:00:09] And I was like, man, thank you for asking. [01:00:11] You know, I think about it a lot. [01:00:14] I love Michigan. [01:00:14] Michigan's beautiful in the summers, but inside I'm like, come on. [01:00:17] No, I don't regret it. [01:00:19] Yes. [01:00:20] I'm already homesick. [01:00:21] Uh, it's fucking awesome here. [01:00:23] I'm not going to lie. [01:00:24] Like I live in goddamn paradise. [01:00:26] I don't know why more people don't do it. [01:00:28] I don't, you know, politics are part of the equation for a lot of folks, uh, politics and [01:00:35] policies. [01:00:36] Uh, and I, and I get it, but man, like I am so much fucking happier here just on a [01:00:42] day-to-day basis. [01:00:43] Like you, you blind out all of the sort of like metal layer stuff and just like my meat [01:00:48] bag gets a lot more sun and a lot more movement and a lot more just stuff going on down here. [01:00:53] And so, no, I don't regret it yet. [01:00:54] Uh, but if I ever do, I'll let you know, I've got a podcast, so I definitely will. [01:01:02] Uh, one thing I do regret is eating so, or is, uh, uh, drinking so little dairy in my [01:01:07] twenties because I have become extremely lactose intolerant. [01:01:12] Uh, so I don't have any lactase to the point where even if I drink lactaid, like, like what [01:01:19] they call like lactose free milk, but, but actually is lactose full milk with also lactase enzyme [01:01:25] added to it so that your tummy will process it. [01:01:28] Even when I drink that, I drank 20 grams two nights ago and the whole next day I was [01:01:33] wrecked. [01:01:33] That's not a lot of fucking milk. [01:01:35] Uh, now you call that an allergy or an intolerance. [01:01:39] Um, but like if I want cereal, like it's going to happen. [01:01:42] So sure you can pathologize it, but I was like, I, I am making a trade with my future self. [01:01:48] Like I'm going to put up with some indigestion so that I can have this deal. [01:01:52] Okay. [01:01:53] We're in, uh, if I had a peanut allergy to the point of like anaphylactic shock, I'd be [01:02:01] having the same negotiation. [01:02:03] I would just probably not take the deal most of the time. [01:02:07] Uh, anyway, I finally caved. [01:02:11] Cause like I talking about politics, I am politically, um, unaccepting intolerant of, [01:02:19] uh, milk alternatives. [01:02:22] Cause it's not milk. [01:02:24] People call almond milk, milk. [01:02:26] That's not milk. [01:02:27] That's just squeezed almond. [01:02:29] And like the amount of water that goes into making an almond is insane. [01:02:32] And so the, whatever almond milk is must be not, not really great from a sustainability [01:02:37] perspective. [01:02:38] And it's just, it's not, it's not what it says on the 10. [01:02:41] It shouldn't be allowed to be called milk. [01:02:43] It's like that fake egg product called just egg. [01:02:45] I was like, that's no, it's unjust egg. [01:02:48] This is not an egg. [01:02:49] Uh, so I, I, I caved and I bought Kirkland dairy-free oat beverage is what it says in the [01:03:00] box and oat milk. [01:03:02] And I had that last night and I'm still mad at myself about it, but here we are. [01:03:08] I'm going to say that's, I'm going to cap it at an hour of life updates. [01:03:16] I knew it would be life heavy. [01:03:18] Um, but, and because it's a heavy period of life right now, but if you're curious after all [01:03:24] of this shit and all the storytelling and all me getting stuff off my chest, I'm actually [01:03:28] doing great. [01:03:29] I'm processing things. [01:03:30] Love my dad dearly. [01:03:31] Um, I, I've taken the moments, you know, to be quiet and still and to spend effort and [01:03:44] time genuinely reflecting and going through old things and, you know, letting feelings happen [01:03:51] and letting those memories come by and doing other

In this special episode, we gather impactful book recommendations from our guests, offering insights into the minds of leading business builders. Episode Highlights: 1:12 - Emily Holdman: Recommends "The Book of Charlie" by David Von Drehle for its profound wisdom and applicability to life changes. https://www.amazon.com/Book-Charlie-Remarkable-American-109-Year-Old/dp/1476773939/ 6:04 - Suzanne Yoon: Shares insights from "Traction" by Gino Wickman, emphasizing the entrepreneurial operating system for accountability and growth. https://www.amazon.com/Traction-Get-Grip-Your-Business/dp/1936661837/ 10:03 - Tim Schulte: Suggests Yuval Noah Harari's "Sapiens," "Homo Deus," and "21 Lessons for the 21st Century" as thought-provoking reads on humanity and its future. https://www.amazon.com/Sapiens-Humankind-Yuval-Noah-Harari/dp/0062316117/ https://www.amazon.com/Homo-Deus-Brief-History-Tomorrow/dp/0062464345/ https://www.amazon.com/Lessons-21st-Century-Yuval-Harari/dp/0525512195/ 12:00 - Eric Hansen: Describes "The Loop Files" by Rick Kaempfer and "The Mosquito Bowl" by Buzz Bissinger for their engaging historical narratives. https://www.amazon.com/Loop-Files-History-Outrageous-Station/dp/B0CNH5TZSQ/ https://www.amazon.com/Mosquito-Bowl-Game-Death-World/dp/0062879936/ 16:43 - Josh Adams: Highlights "What It Takes" by Stephen Schwarzman, "Greenlights" by Matthew McConaughey and "Shoe Dog" by Phil Knight emphasizing the engaging storytelling and life lessons. https://www.amazon.com/What-Takes-Lessons-Pursuit-Excellence/dp/1501158147/ https://www.amazon.com/Greenlights-Matthew-McConaughey/dp/0593139135/ https://www.amazon.com/Shoe-Dog-Memoir-Creator-Nike/dp/1501135910/ 19:31 - Bob Belke: Discusses "Die With Zero" by Bill Perkins, advocating for investing in life experiences, and "The Monk Who Sold His Ferrari" by Robin Sharma for its insights on living a fulfilled life. https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358567092/ https://www.amazon.com/Monk-Who-Sold-His-Ferrari/dp/0062515675/ 26:34 - Jon Stewart: Talks about "Building a Second Brain" by Tiago Forte, which outlines a methodology for organizing information efficiently. https://www.amazon.com/Building-Second-Brain-Organize-Potential/dp/1982167386/ 31:45 - Erik Ginsberg: Recommends "Leadership and Self Deception" by The Arbinger Institute for its insights on self-awareness and organizational behavior. https://www.amazon.com/Leadership-Self-Deception-Fourth-Transforming-Relationships/dp/1523006560/ 33:21 - Darren Herman: Offers "Startup" by Jerry Kaplan for its diary-format insights on building a technology company, and reflects on "Catcher in the Rye" by J.D. Salinger as an inspirational read. https://www.amazon.com/Startup-Silicon-Adventure-Jerry-Kaplan/dp/0140257314/ https://www.amazon.com/Catcher-Rye-J-D-Salinger/dp/0316769177/ 37:16 - Christian Bullitt: Suggests "The Fund" by Rob Copeland, describing Bridgewater Associates' unique corporate culture. https://www.amazon.com/Fund-Bridgewater-Associates-Unraveling-Street/dp/1250276934/ For more information on BluWave and this podcast, go to www.bluwave.net/podcasts.

⚠️ In this episode, we break down Die With Zero by Bill Perkins, exploring its bold advice to spend rather than save. Is it a life-changing philosophy or a steamroom chat among the elite? We critique its core concepts, discuss why it might harm the average person's finances, and suggest practical alternatives for living a meaningful life. Watch and Subscribe on YouTube

In this episode, Liz and Abbey discuss the book 'Die with Zero' by Bill Perkins, which challenges conventional views on wealth and financial planning. The conversation emphasizes the importance of maximizing life experiences over merely accumulating wealth. They explore the concept of giving while alive, the timing of financial gifts, and the significance of investing in memorable experiences. The hosts share personal anecdotes and insights on how to live a fulfilling life now, rather than postponing enjoyment for the future.TakeawaysThe goal is to maximize your total life experiences.Wealth should be viewed as a tool for creating memorable experiences.Timing is crucial when it comes to giving money to loved ones.Investing in experiences can yield greater happiness than accumulating wealth.Life experiences have a limited window; seize them while you can.It's important to live intentionally and enjoy life now.Memory dividends can be created through shared experiences.Don't wait until you're gone to give; do it while you can.Living like you're retired can start now, not just at 65.The 'Die with Zero' mentality encourages thoughtful spending on experiences.The "Back to Better" Book Club podcast is your free, bi-monthly journey toward personal growth and transformation. Each month, tune in for two episodes—one where the host dives into key insights and takeaways from the selected book, and another featuring an in-depth discussion with a guest who brings fresh perspectives to the conversation. Whether you're looking to improve your mindset, habits, or life in general, this podcast is your companion on the path to better.To Join the Book Club:https://www.lizfiedlermergen.com/back-to-better-book-club-membership-landing-page-1Connect:https://www.lizfiedlermergen.com/https://www.instagram.com/lizfiedlermergen/https://www.facebook.com/groups/419082867827460

All music used with permission from Fuoco/Folger/Castaldi IO (Folger) Contemplation (Castaldi) Light Gaps (Fuoco) Lavendula Angustifolia (Folger) All in All (Castaldi) First Voice (Fuoco) There is Another Sky (Fuoco) Lattice (Folger) Piroutte (Fuoco) Mais l'Aube Approche (Folger) Soleil (Folger Anthony Fuoco's compositions feature prominently in multiple groups including the Pulse Quartet, the Cleveland Jazz Orchestra and the Wedmedyk/Fuoco Duo. He's also a classically trained pianist who performs frequently with his spouse Christine.  For this performance, Anthony teams up with trumpeter Garret Folger, and Cleveland drumming legend Carmen Castaldi for an evening performing compositions from all three group members. Garret Folger is a frequent sideman in groups throughout Northeast Ohio and tours globally as a member of Bassel and the Supernaturals, while Carmen Castaldi has five decades of experience working with the likes of Joe Lovano, Bill Perkins, Don Rickles and Sonny Stitt. From a September 3rd, 2023 performance, it's the Fuoco/Folger/Castaldi Trio – Live at the Bop Stop.

This week we discuss the philosophy of 'Die With Zero' by Bill Perkins. Showcasing the importance of timing experiences in life, the balance between wealth and living fully, and the need to create lasting memories.    We may be here to create wealth through property but don't let it intervene in what brings you joy in life. Learn to tip toe the balancing rope of keeping your investments alive while living life to the fullest. Tune into episode 228 now!   I discuss -    00:00 - The Importance of Timing Experiences 00:47 - Die With Zero: A Life Philosophy 04:11 - Health, Work, and Life Span Considerations 08:02 - The Wealth Trifecta: Time, Money, and Health 11:52 - Creating Memories and Living Fully 17:12 - Intentional Living and Embracing Simplicity   Don't hesitate to hit me up on Facebook @SamSaggers. DM me any of your questions :)   If you're yet to subscribe, be sure to do so on your favourite channel.    Apple - https://pre.fyi/upi-apple   Spotify - ⁣⁣https://pre.fyi/upi-spotify ⁣ YouTube - https://pre.fyi/upi-youtube   And remember, I'm really good on 1.25 or 1.5 speed :)   Take care,  Sam

View the Show Notes Page for This Episode Become a Member to Receive Exclusive Content Sign Up to Receive Peter's Weekly Newsletter Bill Perkins is one of the world's most successful hedge fund managers and entrepreneurs, and the author of the bestseller, Die With Zero. In this episode, Bill unpacks the Die With Zero philosophy which challenges conventional thinking related to the balance between health, wealth, and time—the three variables important for fulfillment. Bill makes the case that we should strive for maximum net fulfillment rather than net worth (or even health). He argues that we need to optimize our life to have memorable experiences before it's too late and that most people are over-saving and under-living. Bill also explains how one can apply the principles in Die With Zero to break out of “autopilot” and optimize their life to achieve maximum net fulfillment. We discuss: Bill's upbringing, background, and first job on Wall Street [2:45]; A missed experience and feeling of regret that shaped Bill's thinking [13:45]; Thinking in terms of time, and the relationship between money, time, and health [16:30]; Solving for net fulfillment and allocating your time based on the seasons of life [26:45]; How Bill thinks about risk, opportunity costs, and the difference between fear and risk tolerance [35:00]; Optimizing for fulfillment, finding purpose outside of work, and more [41:15]; Thinking about the order of experiences you want to have based on seasons of life [49:30]; Bill's unique perspective on philanthropy and a more impactful way to give money away [54:15]; Applying the principles in ‘Die With Zero' to maximize fulfillment [1:03:30]; How to break out of living life on autopilot [1:13:45]; When should your net worth peak? [1:17:30]; Taking calculated risks [1:21:00]; Bill shares a lesson from his incredible birthday [1:24:45]; How Bill's philosophy has evolved since writing Die With Zero [1:33:30]; and More. Connect With Peter on Twitter, Instagram, Facebook and YouTube

Ever wonder what it takes to make $100 million in a year? Energy trader Bill Perkins did just that, but his philosophy on wealth might surprise you. He's not hoarding cash or building a legacy – Bill is all about maximizing fulfillment by spending his time, health, and wealth before it's too late.Join John as he breaks down Bill Perkins' "Die With Zero" approach, exploring: ●Bill's journey from broke screen clerk to millionaire energy trader (and the key lessons he learned along the way) ●Why Bill believes experiences and relationships are more valuable than any bank account ●How Bill strategically "spends down" his wealth to create a life packed with adventure and meaning ●Plus, John shares his own insights and takeaways on how Bill's philosophy can help anyone live a richer, more fulfilling life (no matter your income!) --- Support this podcast: https://podcasters.spotify.com/pod/show/ryan-kennedy-podcast/support

By living philosophically, we can learn to handle anything. This isn't easy. But this is also a foundation for true well-being, happiness, and, as seen in the lives of Marcus, Cato, and many other Stoics.Ask DS:What are the overlaps between Eastern philosophy and Stoicism? Was there a particular obstacle that Ryan experienced that led him to Stoicism?

Bill Perkins es un inversor, empresario y escritor estadounidense, conocido por sus ideas sobre la gestión del dinero y el aprovechamiento de la vida. A través de su libro Die With Zero, Bill reta las creencias tradicionales sobre el ahorro y la inversión, proponiendo un enfoque que prioriza vivir experiencias valiosas en lugar de acumular riqueza sin propósito. En Die With Zero, Bill expone su filosofía para alcanzar la verdadera riqueza: un balance entre ahorrar lo necesario para el futuro y gastar estratégicamente en el presente. Su enfoque está centrado en maximizar la satisfacción y el disfrute de la vida, animando a las personas a gastar de forma consciente para crear recuerdos y experiencias significativas. iA seguir aprendiendo! ¿Quieres unirte a nuestra membresía? Acá lo puedes hacer: https://hotm.art/FD4HbC5u 

In episode 247, host Allison Schaaf shares her main takeaway from seeing Bill Perkins, author of “Die with Zero,” speak. Want to try Prep Dish meal plans for FREE? Go to ---> PrepDish.com/MPM Resources mentioned in this episode- Die with Zero, book

20 years ago, I read a single book that transformed how I think about money forever. Inside was a 2-word phrase that has driven nearly every financial decision I've made since. Here's the truth: Most people make financial decisions based on immediate gratification. They buy new cars, upgrade their gadgets, and focus on short-term pleasure while neglecting long-term wealth building. But the wealthy think differently.

#199: Sharing my top 10 takeaways from a retreat for high-net-worth individuals hosted by Long Angle. Today, Tad Fallows and I discuss how money shapes our decisions—impacting everything from your mindset and family choices to overall happiness. We dive into the power of resilience over perfection, the importance of staying flexible in uncertain times, practical insights for raising financially responsible kids, and more. Tad Fallows is the co-founder of Long Angle, a community for high net worth and ultra-high net worth investors. He previously co-founded iLab Solutions, a global leader in cloud-based lab management software, which was acquired by Agilent Technologies. Link to Full Show Notes: https://chrishutchins.com/10-money-lessons-happiness-family-purpose Partner Deals Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Maui Nui: 20% off the most nutrient-dense red meat with code ALLTHEHACKS Shopify: $1/month trial for the easiest e-commerce platform Notion: Try Notion AI free to automate tedious tasks and streamline your work DeleteMe: 20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Tad Fallows: LinkedIn Long Angle: Join a free private community for high net worth investors Happy Money: The Science of Happier Spending ATH Podcast Episodes: #6: The Psychology of Money with Morgan Housel #49: Finding Happiness, Success and Deep Purpose with Arthur Brooks #87: How High Net Worth Individuals Invest and a Deep Dive on Alternative Assets with Tad Fallows #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins #170: Cash Back vs. Points: Are We Doing It All Wrong? #187: 42 Travel Planning Tips & Tricks from Travel Pro Leigh Rowan AMA with Chris and Amy: Submit Questions Full Show Notes (00:00) Introduction (02:48) Wealth Can Amplify the Good or Bad (05:56) There Is No One Right Way to Invest (09:39) Understanding Trade-Offs Can Unlock Hidden Opportunities (12:16) How One-Third of the Economy Operates Outside Public Markets (15:32) Building Resilience Is More Valuable Than Chasing Perfection (21:24) With the Future Being Uncertain, Flexibility Becomes Key (24:01) Estate Planning: Why You Should Have Flexibility Over Court Decisions (27:14) Everyone Can Benefit from Seeking Advice (30:26) Recognize That You're Not at the End of History (33:07) The Key to Happiness: Finding Purpose Beyond Accumulating Wealth (39:19) Two Curves of Happiness (40:26) There's No Perfect Answer When It Comes to Money and Kids (42:32) Should You Be Transparent About Finances with Your Kids? (48:18) Why It's Important to Have a Minimum Wage Job (49:47) Optimizing Isn't a Binary Game (52:31) How Chris Optimizes Points & Miles (55:58) Ways to Optimize Your Travel Experiences (58:51) All Decisions Are Personal, So There Isn't a Universal Right Answer Connect with Chris Newsletter | Membership | Twitter | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

We examine a common phenomenon among retirees who've spent decades meticulously building their nest eggs. Rather than shifting to a mindset of strategic "decumulation" in retirement, many find themselves holding onto their wealth, often to a fault or until it's too late to truly enjoy it. Taking insights from Bill Perkins' book "Die With Zero," Ben challenges this conventional thinking and presents a compelling case for why leaving substantial wealth behind might not be the legacy you should strive for.

Whether it's wishing they bought certain products earlier on in parenthood or kicking themselves for holding onto other items too long, Ryan and Sam hope they can save you some time and money with these recommendations. Check out what Ryan and Sam are loving for the kids (this is not sponsored):Veer WagonFrank Green water bottlesGreeking Out Podcast 

Kiera reviews the September book club selection: Die with Zero: Getting All You Can from Your Money and Your Life by Bill Perkins. She compares the Die with Zero method with profit-first, talks about applying this mindset in her own life, and how to enjoy life richly. Find the full book club rundown here! Episode resources: Reach out to Kiera Tune Into DAT's Monthly Webinar Practice Momentum Group Consulting Subscribe to The Dental A-Team podcast Become Dental A-Team Platinum! Review the podcast Transcript: Kiera Dent (00:01.346) Hello, Dental A Team listeners. This is Kiera and it is book club time. And this is one of my favorite books and I am so excited and I hope you read it with me. And if you didn't, hey, well, here's your opportunity to read the book club. I will give you a synopsis and hopefully I make this so intriguing and so exciting that you definitely want to go read it. So this book is called Die With Zero and you better believe that it is gonna trip your minds up. So if you're a prophet first person, if you don't even know what the heck I'm talking about,   Well, welcome, because this is the book club all about fulfillment. As always, thank you guys so much for being podcast listeners. Please do me a solid and go leave a review today. Go leave those five stars. Share this with someone that you know might be considering how are they generating the revenue in their practice? How are they? What's their fulfillment life plan? But share this podcast because my goal is to get this podcast into the hands of every dental practice to be able to positively impact and inspire offices to be the best leaders.   the best teams to serve their patients at the highest level and truly be able to give back on a level that we as far outside of our, our wildest dreams and to do it with ease. This podcast was made for people just like you who don't just understand you, but are you I've sat in your shoes. I am a business owner. I come to the table with expertise and understanding and humility and love and compassion and no judgment. And I just ask that you guys share this with a dentist who right now could benefit from having that.   positive impact in their life. An office manager who might be struggling with their team or maybe someone who's thriving. Share in a Facebook group, share in a group that you're a part of. Go in there. You guys, I had an office reach out and they're like, Kiera, we're struggling. We're dropping Delta Dental and we need some verbiage. And I popped onto our website and I went to our podcast and I typed in insurance dropping verbiage. And there's three incredible podcasts. So truly anything you guys might be struggling with or wanting to know more about, I guarantee you in our almost thousands of episodes.   you will be able to find that. And if you can't find it, email me Hello@TheDentalATeam.com. Our team truly lives to serve you and they want to make your life easy. So reach out. We love you guys. So the broadcast today is Die With Zero. You guys, I'm so excited and I can't wait to talk about this. So Die With Zero, it's funny, my brother, I actually called him. My brother is in business and finance and I said, know, Rhett, that's his name.   Kiera Dent (02:27.468) I said, Rhett, I have a question for you. This was a couple, gosh, this was probably a year ago. said, if you had an opportunity to grow your business to insane heights, would you do that? Or would you kind of like chill and coast? My brother's super brilliant. He's an MBA. He works for a really large company. His job is to go in and inspire teams and to help them out. And he's also efficiency, which means he also fires people. And my brother is someone that I think is one of the most incredible people.   Like I truly look up to him. He's two years younger than me. And I said, Rhett, what would you do? And Rhett told me, said, Kiera, you know, if I had an opportunity to serve and to give, I would make my business as big as I could possibly make it. Okay. Fast forward a year, Rhett came to me and he said, Kiera, I've actually been thinking about that conversation. And I read a book called Die With Zero. Have you read it? And I said, you better freaking believe I've read it. Let's talk about it. And he said, I actually think I've changed my mind on your business or business ideas in general. He said,   I actually think I would find what fulfills you versus slaying away for your entire life. He said, die with zero definitely gave me a different perspective. And I thought, I love this because die with zero. actually think I was talking to my husband about this morning before I got onto podcasts. And I think die with zero is such a mind trip because it's contrary to what we've been taught all of our lives. We've been taught, go to work, save for retirement, get your retirement at 65.   And then go and live this glamorous retirement life. there's profit first with Mike McAllux, which I'm obsessed with profit first. And I remember when I did a book club with our team on profit first, one of our team members, she's like, I cannot handle die with zeros mentality because profit first is talking to us about building the profit and saving and building this whole piece. And I was zero is talking about like living in the moment. So I'm here to say, I actually don't know which camp I sit in.   I actually think there's beauty in both of them. But this Die with Zero, Getting All You Can From Your Money and Your Life by Bill Perkins. So if you haven't read it, I strongly encourage you to read it. It's going to be incredible for you. But Die with Zero, I'm just gonna give you guys a couple little quick synopsis of some of the points in the book so we can book club on it. So there's 10 points that they have in here. Number one is maximize positive life experiences. Number two, invest in experiences early.   Kiera Dent (04:50.456) Three, aim to die with zero money. Four, use all available planning tools. Five, give money to kids in charity early. Don't live life on autopilot. Seven, plan in terms of seasons. Eight, no one to stop. And nine, take big risks early, not later. Okay, so lots of things in here, but really he said, gosh, I'll read you guys this quote from him.   He said, if you spend hours and hours of your life acquiring money and then die without spending all of that money, then you've needlessly wasted too many precious hours of your life. There's just no way to get those hours back. If you die with 1 million left, that's 1 million of experiences you didn't have. And if you die with 50 ,000 left, well, that's 50 ,000 of experiences you didn't have. No way is that optimal. The question we must answer is how to make the most of our finite time on earth. Ooh, like I love it.   Because that's, think, I think that's the question. And so when we look at these 10 aspects of it, again, like I'm saying, I don't think my perfect camp is here, but I think like my conversation with my brother was very much one of, right? Like we all think of the fear, like what happens if we run out of money? My conversations with Ryan Isaac of Dentist Advisors, he's my financial advisor, there are always conversations around, well, Ryan, like how do I know I'll have enough money to make it to me being?   97 years old with my cotton candy pink hair and I'm living the most fulfilling life as well. And so this whole principle, my mom and I were talking, my grandma, she just turned, I believe she just turned 90 and I talked to my mom and my grandma has like, she's done well. Her mom, so my great grandma passed away and there was this like very large fortune that was left. And I talked to my mom and I said, mom, grandma's not gonna be alive for that much longer.   and she fell and she slipped and she fell and she broke some vertebrae and some ribs. This is a 90 year old woman and my grandma is still so afraid of money and this woman has more than enough money. She's definitely not gonna be dying with zero. And I talked to my mom about this because there's also this piece of my mom, maybe there's these weird pieces of it, then she'll get an inheritance from her mom. But I talked to her about this book and I said, mom.   Kiera Dent (07:06.35) Grandma, like what if you could actually live this incredible world with her where you made her last decade of her life the best decade of her entire life? Where she's doing all the experiences. But what's crazy about it is my grandma is now 90. And that to me, I think is the premise of this book of like, why did my grandma wait until she was 90?   And who knows if she'll even be able to do it. But in the book, I remember there was like a definition of the ideal optimal life is we want to make it too. So if I plan to pass away, I hope I make it to a hundred, maybe 130, but let's just say I pass away at 97, which feels a little creepy right now to me to like put a death date on me. but the hope is that like, I'm living my fullest, most richest life all the way up until like 96 with my health and all this. And then in my last year, my money and my health kind of like,   nose dive and I go out of this world fully rich in life experiences and really living to the fullest. Now my other grandma, she's my adopted grandma and she is, I believe she just turned 96 actually and she's been able to paint and she goes on trips and she hangs out with her elderly group. Her husband passed away, my gosh, like at least 20 years ago.   But my adopted grandma, she is very vibrant and I'm looking at her and at 96 she's still walking up and downstairs and yes she's had a knee replacement and there's some things going on with her eyes, but she paints china and has like very world -renowned china painter. She teaches, she has a kiln in her house. I wish I would have taken lessons from her when I lived with her and I never took advantage of that. She reads, but just recently probably within the last, I don't know, three years   she stopped traveling, but up until then she was traveling. And I think about her and I have no idea where her financial state is, but I think about her and I'm like, that's the life that I want to be living where I'm healthy and I'm taking care of my health and I'm able to do all the things that I love doing until like my last, like hopefully six months of my life. And then like at that point we're gone. And that's what I think Bill Perkins whole point in all of this book is, which is why I love it is thinking differently of not a saving until we're out of money or saving until we're at this certain space because   Kiera Dent (09:15.95) He talked about in the book of like going to Italy, maybe when we're 40, but like if we could have gotten in our 20s, we're younger, we're more vibrant, and we have longer time for the investment of that experience in our life rather than less time with those experiences and talking about how, yes, we're always trying to save money and yes, we need money to survive. I'm not here to discredit that for one second, but is there a balance between the amount of money that we need and the life experiences that we're able to maximize? So that's why he's saying maximize our positive life experiences.   Are we spending money on experiences rather than just saving money? Now, this is where the mind trip is because we still need money to be able to survive. And so how are we able to maybe accomplish both? And that's really what I think I'm obsessed with with this book club. And I hope you guys are geeking on it with me and I hope I'm challenging your beliefs as well. But he said, expect invest in experiences earlier because that allows you to have that longer term ROI on life experiences. Like if you were to even think back on the last 10 years of your life, what are some of the highlights?   Gosh, like the last 10 years of my life, like I'm just gonna do my 30s for you. Jason graduated pharmacy school. We have hit all seven continents, which I'm obsessed with going to. We went to Bora Bora. We've been able to buy our first home. We've gone through IVF together. I love, love, love being able to travel with my parents. We were able to go with his parents and my parents, both to Hawaii. We surprised them with a trip to Hawaii. guys, really did not cost me hardly anything. took...   like very inexpensive flights, I bought them early, but it was one of the most incredible experiences to do that with my parents. Traveling with Jason, because Jason's philosophy was, we're not gonna travel until we retire. And my philosophy was, when we retire, we're gonna be old and it's gonna be a lot different to travel. Like, I wanna travel while I'm young and I can still hike up a mountain. And it's crazy, because even within our 30s, my knees and my hips actually are a lot different than they were when I turned 30. And so Jason and I, just traveled to Tokyo.   This is the life of not having children. People are like, how do you travel so much? Well, one, traveling gives me life. And two, I just, truly do believe in this, like living and having life experiences now rather than later. I remember Jason and I were in pharmacy school. I was, I am not joking. I was making $12 an hour while we were in pharmacy school. We were at that point, $65 ,000 in debt for his pharmacy school. We had no help from either of our parents.   Kiera Dent (11:36.59) We didn't have scholarships. I'm making literally $12 an hour. This was not that long ago. It was 2016, 2017, 2018. I was working at the dental college, so I did get some great health benefits that way because of it. We lived close enough that we rode our bikes every single day to and from school. And Jason told me that we were too poor that we couldn't travel. And I said, excuse me, no. So I remember every month.   like when the end of our bills would come, I would literally look around my house for anything that had a tag on it that we hadn't used yet that I could go return to the store to make our ends meet. Like this is CuraDense real life. We did not turn the AC on. We were in Arizona. We kept our house at 80 degrees, sometimes even up to 85 degrees. We slept with the fan on at night, not the AC. We're talking it's 117 degrees outside.   We decided to make sacrifices to be able to put, would put, think 20 to $25 a month away in my travel fund. I put it in a high yield savings account, so something like Ally, and I just started putting money away. Every single month I was like, okay, here's our expenses, this is where we can be, this is how we can cut costs, because I'm so adamant that we're gonna be able to travel, and I just started putting money away, like as much money as I could put away. Anytime I got a raise, I didn't live on that raise. I literally just put that money straight into our savings account.   And while we were in pharmacy school, you guys, I'm not kidding, I'm making 12. I was able to get up to 14 and I ended leaving that job at $18 an hour my last year there. But I was able to pay for me and Jason to go to Ireland and then we also were able to go to Paris with my brother who had just come home from his mission to Paris with my parents. Jason was a little nervous about that. But that came from me literally like discipline, putting money into my savings account every single month.   scrapping down like we really, I price matched, I took my little like ads from the grocery store to Walmart, thank goodness they were price matching at that time. It was the best when our cereal was on sale. But I was so committed that even in pharmacy school, I wasn't gonna go into debt for it more. So our debt was only for Jason's loans. But I also wanted to make sure I was having life experiences. I went and scrapped and I did a little window washing business.   Kiera Dent (13:51.958) I did a natural dog food business with my friend. I helped her out to get extra cash and all of that money, I just kept putting that into our savings account because for me, that was something of life experiences that I wanna have. I will never regret going to Ireland with Jason and I will never regret going to Paris with my brother and my parents. Those are some of the best highlights of our life that Jason and I have, but again, that's my life. This is Kiera's life, this isn't your life, but I wanna let you know, like for me, it was so important that Jason and I traveled while we were young.   I mean, I remember landing at midnight where jet lagged and we're both, he's hitting class kudos to him. I don't know how he did pharmacy school. And I'm going right back to work because those were the cheapest tickets that we could find. We heard about a website called Scott's Cheap Travel. We were able to get tickets round trip to Copenhagen for 250 bucks. Like when you want to do something, there's a million ways for you to do it inexpensively if you want. And so,   The reason I love this is because some people, like I was reading up articles about this book and some people were saying like, this is only for like entrepreneurs or this is only for the high wealthy. But I thought like, no, I was making $12 an hour and we were in pharmacy school and we're still able to find the way because making those early experiences, that was fuel and energy. And Jason and I still to this day talk about those experiences. And so.   But then like, then there's the flip side, right? So then we started to get more responsibilities. We think about having kids, we buy a house and then you start to think of like, Whoa, well, how much money do I need for the future? And that's what Bill Perkins talked about in here of like, when you're younger, doing some of these experiences cheaper, we'll actually have more life experience and fuel and energy that gives you to then you don't need as much money per se during that time. And also, I mean, Jason and I, we scrapped it down. lived on protein bars going all around Ireland. Like I will today stay, never eat special K.   these like strawberry protein bars. We ate so many of them and Jason and I giggle anytime we see him in the grocery store like, you want those? No, me neither. That's what we lived on. Like we went to Ireland, we were not living amazing. We were in the tiniest little car eating these like protein bars. I remember writing in my journal one day on our trip. I said, the angels saying today our hotel had breakfast that we didn't know about. So we didn't have to eat protein bars today. But the things that like those are experiences. And that's like, I think the reason I love this book is because it's   Kiera Dent (16:05.998) To me, it's talking about, I think if you merge, die with zero and profit first together about life experiences, but also preparing for the future. I think that there's beauty in that life because we're living this rich life. We're living all these things and die with zero, I think really makes you question what you want to do. So one of his pieces where he says, plan in terms of season. So if you were to look at your, like again, pretend I'm going to die when I'm 97. I hope I make a hundred. Today I'm 38.   If I look at all my life segments, so maybe from 38 to 40, what do want to do? From my 40 to 50, what do want to do? Maybe 40 to 45, 45 to 50, 50 to 60, 60 to 70, 70 to 80, 80 to 90, 90 to 100. He talks about looking at those seasons and what are the experiences that you want to be having during that time of your life. Jason and have built vision boards where we literally have like at 36, we want to do this, 37, we want to do this, by 40, we want to do this.   We haven't gone like clear up to 90 and what that looks like. But in this book, he talks about that because then we live, we're planning our life in seasons, understanding that maybe our health won't be as optimal when we're older. But that's what he also talks about is like, why are we waiting and spending money when we're like older and rather than spending money on our health now, but we're saving all of our money to get to retirement, but we're not taking care of our health today. And I think that that's like the whole mindset around this book is   Really truly planning and living on these life experiences and aiming to die with zero money. Like how cool will it be for my grandma? To have life experiences in her last decade of her life But yet how much greater would it have been if she would have spent this money earlier? Maybe spent more time with her grandkids. Maybe spent different things But like I think there's the fear and that's I think the fear of dying with zero is but what if I run out of money? What if I live longer than I planned for?   I guess we just get innovative and he does talk about that in there of how you can plan that out a little bit better. But then like when he talks about giving money to kids and charity earlier on, he said like how much better is it like pretend my parents are going to get a payout in their gosh probably 70s from my grandma but how much greater if she would have given that money to my parents in their 30s when they could have used that money for a down payment on a house or   Kiera Dent (18:20.396) Jason and were so like in debt and if my parents were gonna have money, I don't plan for my parents or Jason's parents to have any money. I keep telling them like, I want you to die with zero. I want you to live life to the fullest. That's gonna make you the most fulfilled. But just think if you're going to have extra money in surplus, give it to those people earlier on potentially as a way for them to have more life experiences earlier on as well. So, so many crazy fun things in here. But again, I love the perspective of.   I think my greatest takeaway from it is living with life. And like he said, I will repeat the last part of my favorite quote from the book where he said, finding it here, the question we must all answer is how to make the most of our finite time on earth. And that's really what I think I want to leave you guys with. I definitely encourage you to go read it. There's so much in there. And there's so many pieces about basically really trying to get our health and our lifestyle and our experiences to get the greatest ROI, just like we do with our dollars.   Again, I'm not saying if you're a huge spender, I don't think that this is the model for you. You're already living high. And maybe your job is to listen to Profit First a little more and put some more savings in there. If you're someone who's just always saving and never having those experiences, I think this would be an incredible book for you. And if you're someone like myself who's in the middle of sometimes I spend and sometimes I save, but for me, I want to end my years.   having the life where I had the most experiences. I work because I love to say yes to things that I want to go to and do. That doesn't mean I have to have millions. That doesn't mean I have to have thousands. That means I need to plan my life in seasons and plan what I want to do and really know what lights me up and what fires me up and to experience those things. Maybe it's just spending time with your family while they're here. Maybe it's, I don't know, there's so many pieces, but I love planning out the seasons of your life. So.   I encourage you guys to read it. If you read it and you loved it, I'd love to hear from you. If you read it and you hated it, I'd love to hear from you. Because I love to hear the different sides of this book because I think it does charge. But like my brother, how interesting in one year he said, go and build and slay and do all these things. And the next year he was like, actually have more life experiences and do more fun things so you do die with zero. For me, yes, I want to take care of future generations. We don't have children. I would love to have children.   Kiera Dent (20:36.898) but I have a ton of nieces and nephews that will be my legacy. And so even though, yes, I want to leave a legacy for them, I guarantee you, I would rather make memories with them than leave them a check. I mean, and I think there's a way to do both, but I also know for me, I'd rather spend so much time with my parents and my grandparents than having an inheritance from them. That makes me so emotional because I just think about, I love my parents so much and I don't know how much time I have with them.   And I would hands down rather go on trips to Maui with my parents or trips to wherever we go or spending time with them, making memories with them rather than them leaving me an inheritance. Like that's my job and my responsibility to figure out how to take care of my life, not expect my parents to leave it. Again, that's my own perception. Everyone has their own, but I think most of us would probably fall in my bucket. We'd rather have more time and more memories with those that we love rather than.   them leaving us a check. Now again, you might have people that you don't like and you'd rather them just leave you a check. But I think that's the whole premise of the book, which is why I absolutely loved it. And I hope you guys read it. I hope you loved it. And if you don't, I'm not offended. Please send me because I want to just give you guys things that make and challenge your perceptions and beliefs. So with that, that was our book club for this month. I hope you loved it. Next month, I hope you read it. It's called, let's see, the next one is going to be   The Power of Fun, How to Feel Alive Again by Katherine Price. So be sure to join us next month. I think this one's fun. It's got confetti on the front cover of it, which is why I picked it, because I believe life should be fun, if you can't tell. But definitely, The Power of Fun, going and enjoying that, How to Feel Alive Again with Katherine Price. So I hope you join us next month. As always, if there's a way that we can help you look at your business, this is what I actually am obsessed with doing, is looking at your business and your practice and...   helping you figure out what do you want your life experiences to be and what do we need your business to produce and to create while creating the most incredible experience for your team and your patients. So that way you can die with zero or die with whatever you want, but that you've lived the most fulfilled and rich life. And that's really what I do for our doctors in our consulting. And I'd love for you to be a part of that. So reach out Hello@TheDentalATeam.com. And as always, thanks for listening and I'll catch you next time on the Dental A Team podcast.

In the age of disrupted digital audiences, media companies are incentivized to constantly be counting clicks, pageviews and engagement — all while optimizing for how those metrics can be best monetized. But Long Lead, a long-form journalism production company, wants to redefine the journalism business model to bring art back into the craft of journalism. Launched in 2020 by founding editor and longtime journalist John Patrick Pullen and hedge fund manager Bill Perkins, Long Lead's mission is to give journalists the ability to tell their story in the most effective way possible — not the most efficient way possible. So rather than publishing stories as quickly as possible and monetizing them with advertising or paywalls, a freelance journalist can come to Long Lead with a pitch and work with the team to determine its best format: be it a documentary, a podcast, a book or a performance piece. Long Lead then provides the journalist with the technical resources, staffing, time and — most importantly — funding to create the project. Granted, that's not a cheap feat. And while Long Lead has the luxury of being funded without having to fulfill a revenue goal just yet, Pullen explained that the expense of operating a business like this won't detract from the journalists themselves. In fact, the journalists are all able to keep their own IP from the projects they create with Long Lead once it's finished. On the latest episode of the Digiday Podcast, Pullen shares why Long Lead is focused on supporting the art of journalism and how his team determines the best format for different stories that come across his desk.

Transportation updateWe share our current transportation situations, how they've changed since our last episode on the topic, the challenges and joys of this stage, and our transportation dreams for the future.Life LatelyAbby is over the summer and ready for fall.Sarah's family is adjusting to new school year routines with HP in middle school.Reading latelyAbby loved the witchy vibe of Weyward by Emilia Hart.Sarah got a lot out of listening to Die With Zero by Bill Perkins. She originally heard about the book from this podcast interview.Eating latelySarah and E are making Thai iced tea with boba (and these straws).Abby enjoyed the taste of fall with a new apple cake recipe.If you'd like to join in the conversation, please leave us a comment, email us at friendlierpodcast@gmail.com, or find us on Instagram @friendlierpodcast. Thanks for listening! Hosted on Acast. See acast.com/privacy for more information.

We know that ultimately lives are not measured by superficial or materialistic things…yet we spend so much of our lives focused solely on that. Ask DS: How can we move past feeling guilt or shame?What did the Stoics say about losing loved ones?How can we get better at saying no? + More!

In this episode, we're diving into a book that flips the script on everything you thought you knew about money and legacy. Eric Siu breaks down the bold ideas from 'Die with Zero' by Bill Perkins—a book that dares you to rethink your financial goals. Should you really be saving up to leave an inheritance, or is there a better way to live? Stay tuned to find out! Watch the full interview here: https://youtu.be/C5Bd7-U_cmc TIME-STAMPED SHOW NOTES: (00:00) Rethinking Inheritance and Spending Money While Alive (02:04) Wealth, Entrepreneurship, and Adversity (05:19) Investing in Health and Relationships (06:18) Prioritizing Experiences Over Wealth Don't forget to help us grow by subscribing and liking on YouTube! https://www.youtube.com/channel/UC3owDdLk7HL1dyQnkoBuRew  — What should I talk about next? Who should I interview? Please let me know on X or in the comments below. Did you enjoy this episode? If so, please leave a short review here Subscribe to Leveling Up on iTunes Get the non-iTunes RSS Feed   Connect with Eric Siu:    Growth Everywhere Single Grain Leveling Up Eric Siu on X Eric Siu on Instagram

Chris Hutchins is the host of a podcast called "All the Hacks" where he talks about not just travel hacks, but life hacks as well. In today's episode, he shares some of his favorite life hacks with us.  (01:09) - You can find the episodes where Chris Hutchins interviewed Greg and Nick on All the Hacks here: https://frequentmiler.com/check-out-greg-and-nicks-podcast-guest-appearances-with-chris-hutchins/ And you can find all the episodes of All the Hacks here: https://www.chrishutchins.com/ (02:00) - Chris's favorite life hacks for making more time (06:47) - Chris's favorite life hacks for the home (09:30) - Chris's favorite life hacks for money You can find Chris's All the Hacks episode with Remit Sethi here: https://www.chrishutchins.com/live-your-rich-life-ramit-sethi/ You can find Chris's All the Hacks episode with Bill Perkins here: https://www.chrishutchins.com/die-with-zero-bill-perkins/ (16:58) - Chris's favorite life hacks for personal data!    

[Original airdate: 4/9/24] Mary Danielsen talks to Bill Perkins of Compass International about a range of topics that he covers in his Steel on Steel series of books. He hosted the first Steeling the Mind Conference in Vail in 1993, and moved to Idaho to take a job with Koinonia House (headed by Chuck Missler) that same year. In 1994 he founded Compass, and proceeded to lead trips to Israel and has since hosted 50 conferences with a tremendous variety of popular and knowledgable guests. Bill has always had his eye on the blessed hope and is a staunch defender of the Pre-Trib view of the rapture. We will discuss the increase of knowledge, Israel, and observe the culture here in the first half of 2024. All of his resources can be purchased at the extensive Compass online bookstore.   Shameless plug for swag for our listeners/donors! https://www.redpillprints.com/stand-up-for-the-truth - Thanks for YOUR Support!

FiveTaco is the easiest way to find software for solopreneurs, from productivity tools, to the latest AI tech to help run your business. In this week's episode, I sit down with Bill Perkins, a successful hedge fund manager, film producer, author, and high-stakes poker player. Bill has created significant wealth through energy trading and uses his money wisely.  Bill is all about finding values in meaningful experiences over material possessions. He also discusses his philosophy on balancing wealth, health, and time to achieve maximum life fulfillment. This episode is packed with practical advice and thought-provoking concepts that can inspire anyone to rethink their approach to wealth and happiness.   In this episode, you'll enjoy 3 BIG things: How to leverage opportunities in your field of work and make millions. How to avoid a cookie cutter life. Why you shouldn't wait until your retirement to experience your dreams.   All these plus a bunch more ear nuggets along the way. If you loved this episode and want to hear more successful commodity trading stories, check the episode we did with Rafa Martinez, that's episode 305 in this feed.  Also Check out Bill's book at diewithzerobook.com and @billperkins on Instagram and @bp22 on X  

Read our book, The Score That Matters https://amzn.to/3XxHi7p Full show notes at www.LearningLeader.com  This episode is supported by Insight Global. Insight Global is a staffing company dedicated to empowering people. Please CLICK HERE for premier staffing and talent. Notes: Nat Eliason studied philosophy at Carnegie Mellon University. Since he started publishing his writing in 2013, his work has been read by millions of people and spun out multiple businesses ranging from a marketing agency to a cafe. He's the author of Crytpo Confidential: Winning and Losing Millions in the New Frontier of Finance. How to make our days more memorable? Throw parties with 3-4 different phases. When taking your loved one out on a date, have 3 different parts. Implement homework for life. Write down the stories of each day. This helps you remember them more. Do Hard Things – Our self-image is composed of historical evidence of our abilities. The more hard things you push yourself to do, the more competent you will see yourself to be. "Build up your identity of being a capable person." "Money corrupts quickly." It's never the right time. Any time you catch yourself saying “Oh it'll be a better time later,” you're probably just scared. Or unclear on what to do. There is never a right time for the big things in life. Moonwalking with Einstein -- Memory competitions. Die with Zero -- Create memory dividends (Bill Perkins). Be in the moment. Homework for Life (Matthew Dicks). Nat's birthday this year was the first time he ever felt sad (on a birthday)... Why? "It feels like it's going by quicker than it ever has." Create time with texture? "Mine workers have time with texture. I'm not sure that's memorable or desirable." Crypto Confidential is the roller coaster story of getting rich, going broke, scamming, and getting scammed. It's a narrative of Nat's personal journey through the world of crypto, but it's also a revealing look at exactly how the crypto sausage gets made—and how we can all be more educated participants during the next inevitable bull run. Money can buy happiness. So long as you spend it on upgrading and expanding the things that make you happy, instead of using it to play status games or on fleeting experiences.

Bill Perkins showed up at the New York Mercantile Exchange every day until he got a job as an assistant peon. He started with a salary below $16,000 per year and drove a limo in the evenings to make ends meet. Yet, he dedicated his nights to reading books on trading, the oil market, and options. Through unwavering determination, he became a millionaire by 30. Today, he is one of the world's most successful hedge fund managers and entrepreneurs. In this episode, Bill shares his wisdom about making money and how to spend it. He also explains why your goal should be to die with zero dollars in the bank instead of as a millionaire. Bill Perkins is a hedge fund manager, film producer, and high-stakes poker player. He trained on Wall Street before finding success as an energy trader in Houston, TX. He's the author of Die With Zero, which advocates prioritizing experiences over wealth accumulation for retirement. In this episode, Hala and Bill will discuss: - Bill's foray into finance - His advice for aspiring millionaires - What commodities hedge funds do - His approach to taking calculated risks - Why he prioritizes experiences over possessions - Money as a tool to drive fulfillment  - The balance between work and play  - The pitfalls of saving yourself out of a life - The peak utility of your money - The fear of dying broke vs. not living life to the fullest - Planning for optimal fulfillment with time bucketing - And other topics… Bill Perkins is a hedge fund manager, film producer, author, and high-stakes poker player. After studying engineering, he trained on Wall Street and later moved to Houston, TX, where he made a fortune as an energy trader. During the 2007-2008 financial crisis, he profited $1.25 million in one week trading Goldman Sachs stock. His fund saw gains of over 100% in 2021 and 208% in 2022 by betting on rising natural gas prices ahead of Russia's invasion of Ukraine. His book, Die With Zero, advocates prioritizing memorable experiences over wealth accumulation. Bill views his career as an engine for personal growth and spends his time exploring the world, savoring his relationships, and taking in all that life has to offer.  Resources Mentioned: Bill's Website: https://www.diewithzerobook.com/welcome  Bill's LinkedIn: https://www.linkedin.com/in/bill-perkins-dwz/   Bill's Twitter: https://twitter.com/bp22   Bill's Instagram: https://www.instagram.com/billperkins/  Bill's Facebook: https://www.facebook.com/diewithzero/  Bill's Book, Die with Zero: Getting All You Can from Your Money and Your Life: https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765   Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin and Joe Dominguez: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766  LinkedIn Secrets Masterclass, Have Job Security For Life: Use code ‘podcast' for 30% off at yapmedia.io/course.    Sponsored By: Shopify - Sign up for a one-dollar-per-month trial period at youngandprofiting.co/shopify Indeed - Get a $75 job credit at indeed.com/profiting. Rakuten - Get 15% Cash Back during Rakuten's Big Give Week from May 6th to May 13th, and join for free to score an extra 10% boost at rakuten.com! Yahoo Finance - For comprehensive financial news and analysis, visit YahooFinance.com Kajabi - Get a free 30-day trial to start your business at Kajabi.com/PROFITING. LinkedIn Marketing Solutions - Get a $100 credit on your next campaign at LinkedIn.com/YAP.    More About Young and Profiting Download Transcripts - youngandprofiting.com Get Sponsorship Deals - youngandprofiting.com/sponsorships Leave a Review - ratethispodcast.com/yap Watch Videos - youtube.com/c/YoungandProfiting   Follow Hala Taha LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ TikTok - tiktok.com/@yapwithhala Twitter - twitter.com/yapwithhala   Learn more about YAP Media's Services - yapmedia.io/

Today we highlight three money experts, each sharing their unique rags-to-riches stories and invaluable financial wisdom. Bill Perkins, a finance titan and author of "Die with Zero," reveals how to achieve financial wealth while living a life with zero regrets, emphasizing the importance of balancing wealth accumulation with fulfilling experiences. Vivian Tu, the founder and CEO of "Your Rich BFF," shares her journey from Wall Street trader to financial educator, highlighting her mission to make personal finance accessible to marginalized communities. George Kamel, a Ramsey Personality, recounts his journey from negative net worth to millionaire status, offering a blueprint for financial success through his book, "Breaking Free From Broke: The Ultimate Guide to More Money and Less Stress."In this episode you will learnbalancing wealth accumulation with living a fulfilling life, ensuring you make the most of both your money and your experiences.strategies for making personal finance accessible and empowering for everyone, with a special focus on inclusivity and reaching marginalized communities.the secrets to transforming a negative net worth into millionaire status in under a decade, providing a blueprint for financial success.practical tips for avoiding common financial pitfalls, such as credit card debt, student loans, and investment traps.making strategic life choices that lead to both financial and personal fulfillment, drawing inspiration from diverse success stories.For more information go to www.lewishowes.com/1598For more Greatness text PODCAST to +1 (614) 350-3960Full episodes featured in today's podcast:Bill Perkins – https://link.chtbl.com/1530-podVivian Tu – https://link.chtbl.com/1551-podGeorge Kamel – https://link.chtbl.com/1568-pod