Most money advice is a broken record: save more, invest early, and wait for freedom. But what if the real risk isn't running out of money but instead is running out of time? In this episode, we’re challenging the "accumulation at all costs" mindset with Bill Perkins, author of the cult classic Die With Zero. It turns out that a healthy money relationship isn’t just about building wealth but it’s also about intentional spending. Bill argues that time is the most precious asset we have, and that waiting too long to enjoy it can be a costly mistake because we don’t want to reach the finish line with a full bank account and a lifetime of missed opportunities! We discuss how: Time is the most precious asset we have Travel makes you a richer person Your health impacts your wealth Timing your life experiences Memory dividends are inflation protected fulfillment Delayed gratification as a form of prison His concept of time buckets Life is full of risk and we have to decide what's worth it And much more! Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Bill Perkins: Check out the book yourself: Die With Zero, be sure to not follow (Bill’s own recommendation) on Insta or X, and more resources can be found at the site for the book as well. Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Money Gears: knowing what to do with your money is crucial to your personal finance journey. Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.