Uploaded July 2026 | Updated September 2026, 2 weeks ago
Can you enjoy your money today without sacrificing your future? In this episode, Brian and Bo break down Die With Zero by Bill Perkins, one of the most talked-about personal finance books in recent years. They explain the philosophy behind memory dividends, time buckets, giving while living, and retirement spending while also discussing the risks of under-saving, longevity uncertainty, healthcare costs, market volatility, and the incredible power of compound growth. If you're wondering how to balance investing, retirement planning, financial independence, and living a meaningful life today, this conversation offers a thoughtful framework for making smarter money decisions without losing sight of your future.
Timestamps
00:00:00 Watch This Before Reading Die With Zero
00:02:31 Memory Dividends & Time Buckets Explained
00:06:55 Where Die With Zero Gets It Wrong
00:10:54 Why Most Americans Shouldn't Follow This Advice
00:13:13 Dave Ramsey vs. Die With Zero
00:16:19 The Goldilocks Money Strategy
00:19:52 Q&A: When Should Taxable Investing Become the Priority?
00:24:21 Q&A: Should I Pause Step 4 to Buy a Car?
00:28:29 Q&A: How Do Annuities Affect Your Net Worth?
00:37:01 Q&A: How Should We Budget for Having Kids?
00:41:31 Rapid Fire Questions
00:53:41 Q&A: Should I Pay Off My Mortgage by Age 35?
🔗 Financial Order of Operations Guide → moneyguy.com/guide/foo
🔗 Free Financial Order of Operations PDF → moneyguy.com/resource/financial-order-of-operations
🔗 Wealth Multiplier Guide → moneyguy.com/guide/wealth-multiplier
🔗 Compound Interest Calculator → moneyguy.com/tool/compound-interest-calculator
🔗 The Money Guy Guide to Retirement → moneyguy.com/resource/the-money-guy-guide-to-retirement
🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.
Jump start your journey with our FREE financial resources: moneyguy.com/resources
Subscribe on YouTube for early access and go beyond the podcast: youtube.com/c/MoneyGuyShow?sub_confirmation=1
Connect with us on social media for more content: moneyguy.com/link-in-bio
Take the relationship to the next level and become a client: moneyguy.com/become-a-client
#WealthBuilding #PersonalFinance2026 #RetirementPlanning #FinancialFreedom
Can you enjoy your money today without sacrificing your future? In this episode, Brian and Bo break down Die With Zero by Bill Perkins, one of the most talked-about personal finance books in recent years. They explain the philosophy behind memory dividends, time buckets, giving while living, and retirement spending while also discussing the risks of under-saving, longevity uncertainty, healthcare costs, market volatility, and the incredible power of compound growth. If you're wondering how to balance investing, retirement planning, financial independence, and living a meaningful life today, this conversation offers a thoughtful framework for making smarter money decisions without losing sight of your future.
Timestamps
00:00:00 Watch This Before Reading Die With Zero
00:02:31 Memory Dividends & Time Buckets Explained
00:06:55 Where Die With Zero Gets It Wrong
00:10:54 Why Most Americans Shouldn't Follow This Advice
00:13:13 Dave Ramsey vs. Die With Zero
00:16:19 The Goldilocks Money Strategy
00:19:52 Q&A: When Should Taxable Investing Become the Priority?
00:24:21 Q&A: Should I Pause Step 4 to Buy a Car?
00:28:29 Q&A: How Do Annuities Affect Your Net Worth?
00:37:01 Q&A: How Should We Budget for Having Kids?
00:41:31 Rapid Fire Questions
00:53:41 Q&A: Should I Pay Off My Mortgage by Age 35?
🔗 Financial Order of Operations Guide → moneyguy.com/guide/foo
🔗 Free Financial Order of Operations PDF → moneyguy.com/resource/financial-order-of-operations
🔗 Wealth Multiplier Guide → moneyguy.com/guide/wealth-multiplier
🔗 Compound Interest Calculator → moneyguy.com/tool/compound-interest-calculator
🔗 The Money Guy Guide to Retirement → moneyguy.com/resource/the-money-guy-guide-to-retirement
🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.
Jump start your journey with our FREE financial resources: moneyguy.com/resources
Subscribe on YouTube for early access and go beyond the podcast: youtube.com/c/MoneyGuyShow?sub_confirmation=1
Connect with us on social media for more content: moneyguy.com/link-in-bio
Take the relationship to the next level and become a client: moneyguy.com/become-a-client
#WealthBuilding #PersonalFinance2026 #RetirementPlanning #FinancialFreedom
