Die with Zero by Bill Perkins

Rating: 4 out of 5. Good read and I strongly recommend that you read it.

First book I finish reading in 2026

Going through this 1 book took me close to a week.

Apparently reading a non fiction / informative book will take so much longer cause there are many concept to absorb unlike a fictional book.

Really like the concept that is in the book but there are too many examples given that make it feel like it is really long winded. (Following the 20/80 rule :O)

As a salaried worker who basically trades her time for money, this book made me rethink on how I should actually spend the money I've slaved for. 

Anyway below are some of the points I got from reading the book.
You can also see below reddit thread regarding this book.

https://www.reddit.com/r/Fire/comments/1fsl5kq/just_finished_reading_die_with_zero_by_bill/

- Invest in experiences! Especially while you are young.

I'm at the age where I have decent amount of money. Not too much but not too little. While I can save more money and put aside to use it later, but long should I save it for? It's not like I know when I will drop dead and also if I wait till retirement to finally go on the trip, Will I still be physically fit to do it?
will I still feel happy trying it? No. 

- Be particular about what you are spending on.

Measure it based on time. Are you willing to spend $XX on something you spent X amount of time to get? Is this product worth X amount of your time that you are never getting back.

- Spending instead of saving.

If you die before spending the money you worked hard to save, what have you been living for?
It's a bit fked up cause you don't actually spend the money you wasted time to get to enjoy anything.
There's a chapter talking about how you should balance money, health & time.

- Your Legacy is now not when you are dead.

Want to make a difference in other people's life? Do it now when you are alive and not when you are dead. You want to help charity? Donate to charity now so that you can see how life changes for someone else while you are alive. If you will it to charity after you are dead, that's not exactly generosity. Similarly, if you have kids, you should give while you are still around instead of leaving them the money to inherit when you die as they might have exceeded the age where they need money the most when you die.

- Be Bold when you have little to lose. 

Want to make a career change? want to start a business?
Do it when you are young and have nothing to lose and not wait till you are old and cannot afford to lose what you already have. Not saying that you will 100% succeed in doing it but at least you can die without regretting that you have never tried doing it in the first place.

There's more to the book but this is what I've gotten after 1 read. I feel like I should reread the book to get more out of it but it's ok cause I need to be starting to read another book.