Die with Zero by Bill Perkins challenges traditional financial wisdom, advocating for spending your money on meaningful experiences rather than over-saving for retirement. Perkins offers a guide to optimizing life stages, focusing on creating memorable moments through strategies like "timebucketing" and aligning spending with your "net worth curve" and "fulfillment curve." Drawing on personal stories and psychological insights, Perkins argues for a balance between financial planning and living fully, urging readers to prioritize experiences over accumulating wealth.