如何自学 占星术 占星教程网盘 塔罗牌教程百度网盘垂直专业教程 封面 Poster

《Die with Zero – Getting All You Can from Your Money and Your Life》

简介 Intro

《Die with Zero: Getting All You Can from Your Money and Your Life》—— Bill Perkins

A Wall Street Journal Best Seller

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

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

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

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

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

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

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

关键词：Die with Zero;零遗产;

截图预览 Screenshot Preview

《Die with Zero – Getting All You Can from Your Money and Your Life》截图（点击放大）

读者评论 Readers\’ Comments

作者提倡一定不要盲目攒钱，死的时候把钱花干净才是赚钱和利用钱最有效率的做法。简单说下就是：生活中重要的事不仅做很重要，做的时机也很重要；消费欲望和获得的快乐随着年龄增加逐渐减少；死的时候没有花完的钱是你这辈子白干的工作或者整体薪水降低；很多人的钱都在临终前几天花掉，那时候是你的金钱效用最低的时间点；美好的体验会随着时间的积累在记忆中产生复利效应，人死前会留恋的正是这些难忘的体验而不是拥有的物质；职业之初攒钱的行为其实是穷困时期的你在给未来富裕的你财富；钱花完了人还没死这种情况可以通过annuity保险来解决；每个人攒的钱再多也很难覆盖掉意外的医疗开销，最好的方式还是保险；

不错的一本书，好像之前没看过类似的讨论。不只是工作生活要平衡的陈旧强调，平衡也要有个目的和衡量标准，但人们很少细说怎么平衡，怎么衡量平衡。本书预设了人生要体验最大化这一目的，然后展开工作和消费（储蓄）的讨论。Die with zero，想想都激动。

留给孩子的钱没必要等到遗产，年轻时的帮助和投资比成年后孩子有能力赚钱再给他一堆钱更有用。

时间不可逆的一套解决方案

连续读了几本讲frugality讲理财的书，来读读这本讲花钱的来中和一下，得到了不少新的观点

作者 Author

Bill Perkins

Called the \”Last Cowboy\” of hedge funds by the Wall Street Journal, Bill Perkins is considered one of the most successful energy traders in history. He\’s reported to have generated more than $1 billion for his previous firm srcring a five year period. After studying electrical engineering at the University of Iowa, Bill trained on Wall Street and later moved to Houston, TX where he made a fortune as an energy trader. Now at age 51, Bill\’s professional life includes work as a hedge fund manager with more than $120 million in assets, Hollywood film prosrccer, high stakes tournament poker player, and the resident \”Indiana Jones\” for several charities. Bill manages this via smartphone on his yacht in the U.S. Virgin Islands, and while traveling the world with close friends and family.

有需要联系v；lyjlyj13141314

需要各种占星塔罗水晶魔法资料，专业的咨询

本文采摘于网络，不代表本站立场，转载联系作者并注明出处： https://sm.nayona.cn/yixuekecheng/150786.html