Die With Zero Review: A FIRE Journey Reboot

Recently, I read a book called Die With Zero and it has changed my views on family financial independence.

In this Die With Zero review, I share what Die With Zero is all about and my takeaways from this book that is making me rethink our FIRE journey.

CHAPTERS
0:00 Intro
2:47 What is "Die With Zero"?
6:12 No Inheritance? Really? What about the kids?
7:01 Key Takeaways From Die With Zero

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This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. Information shared on this channel is for entertainment purposes only and should not be considered as professional advice.

[TamralynnIRL]

Watching my father and a close friend of ours pass away at a young age, I have realized that experiences and memories need to be made now. Still plan for the future but also plan like there is no future. Make those memories now.

[ErikStenbakken]

100% spot on summary. 🔥
I just finished this and it hit me like a brick wall. I am not a “two marshmallow” person. I am a 100 marshmallow person: Delaying gratification far too long far too often. This was just the wake up call I needed. And you were absolutely right about who this book is for and who it is not. I highly recommend it if you fall into the “this book is for you“ camp as he says and are a compulsive saver and deferring everything till later. Later isn’t so guaranteed.

[Larsdk]

Thanks, great to the point review. Lots of useful thoughts and ideas here. In my opinion, kids have to grow up and learn themselves to make the money they need, find their way. Just as I did. It gives a tremendous joy and satisfaction to do that. So, I like #4 of giving experiences rather that real estate or a huge sum of money.

[wildfoodietours]

I never thought of "Die with Zero" as being directed towards super savers, but it now makes sense. Thank you for giving me a fresh, different perspective.

[WilliamMartinez-vqbn]

This book helped me decide to retire at 62, , , , I have delayed gratification to long

[Hero-jbdp]

Read this book early this year and felt the same thing. Coming from DR group then learning about FIRE, I thought I am doing everything right about work life balance and financial goals until I read this book. It switches everything for me and my wife and focused to life experience and memories with our kids and family. Thanks to Travel Hacking we are still able to continue our financial goals while creating memories and experience along the way.

[EllieofAzeroth]

I really like that you answer specific questions. When I look up a specific finance topic, usually you come up close to the top which of course gets a click because you're familiar and your content is great. Thanks for the video!

[SeanMullaneyVideos]

Great video, Andy. I think too much financial planning (DIY or with advisors) assumes you will live to age 90. There are some good reasons for that (in part, being conservative can be beneficial). But, sadly, not everyone is getting to age 90. Another thought: many retirees will become wealthier, not poorer, during their retirement. That is not a bad thing, but it does require at least some thinking and adjusting. Things like creating memories absolutely should become a priority at that point.

[oellasawandtool]

Great video Started Reading Perkins book a few days ago. Thanks for your summary and synopsis Trying to figure it out my issues. Workaholic since 17 yrs of age By the way that cool clip on skiing. That didnt look like Aspen. But it got the point across. Perkins must be a skier as he mentions it often. Anyway good luck on your journey with the balance of wealth health and time.

[samr]

Great video - love the book and has changed my life. I am now a new subscriber. 🙂

[Matthew-ymbb]

You summed up the important points in the book well. Nice "Cliffs Notes" version for people who haven't read the book. Probably don't even need to if you re-watch this a few times.

[AVeryMerryMeridian]

I'm not convinced we are not the same person(Dave Ramsey baby step #7..EDM ..borderline Coast Fire-ish now at 34)...very similar journey and I had very similar reaction to Die with Zero. I enjoyed it and helped change my mindset on things. Great Feedback!

[JasonBrownYourMarginMatters]

Coincidentally, I recently added this book to my Amazon wish list. Thanks for the great review Andy. I definitely look forward to reading this book now to be enlightened by some different perspectives.

[mikeh]

Very interesting. I would be excited to read to see what is says about medical cost post retirement, or what can you give away when you have poor health. Don't want to be knocking on the door or your kids house that you help them buy because you can not afford care now. assisted living is not cheap.

[traceysherman-falcon]

I haven’t read the book, but as I commented on Mike’s comment, I worry about long term care. It’s a reality and it’s not cheap. I DO NOT want to stay in a Medicaid facility! I’m saving for the worse case scenario and will happily give any left after my demise to organizations I am passionate about. I’m sure your kids will thank you too if they aren’t put in a bind to pay $6-12K a month for your care.

[mlbmachine]

Great summary Andy. Thanks for producing this.

[frugalnfine]

It’s on my audiobook list to get from the library!

[kay]

I'm through Ch 6 now - agree to an extent to Bill about his philosophy. Definitely a book for financial mutant/misers, not ppl who debt problems. For Ramsey, until you are at step 5, I wouldn't even consider this book. When you hit ~15% of money going into retirement & out of debt, I think you can start enjoying a bit more

[jefesalsero]

So many people are conditioned to take delayed gratification to the extreme, that someone needed to write a book to remind them to enjoy life in the present.

[joseromero]

There's an older book with a similar concept called Die Broke.