# Die With Zero

> *Die With Zero: Getting All You Can from Your Money and Your Life* is an international bestseller by Bill Perkins, published by Houghton Mifflin Harcourt (HMH) in 2020 and translated into 25 languages. The book argues for **net fulfillment over net worth** — that the goal isn't to die rich, but to convert money into experiences while you can still fully enjoy them. Featured in The Wall Street Journal Money Interview (April 2026) and Fortune (April 2026).

## About the book

The book introduces several mental models for thinking about money and life:

- **Memory dividends** — Every great experience pays you back, again and again, in the recall of it. The earlier you bank an experience, the more dividends it throws off across your lifetime.
- **Time buckets** — You can't ski at 80. You can't backpack with toddlers at 60. Map experiences to the windows of life when they're actually possible.
- **The fulfillment curve** — Your peak life-experience years aren't the same as your peak earning years.
- **Go-go / slow-go / no-go years** — Three phases of later life, each with different spending patterns.
- **The survival threshold** — The minimum portfolio you need to feel safe; spending above that is rational.
- **Give while you live** — When you give your kids money matters more than how much. The right gift at 28 is worth more than the same windfall at 60.

## About the author

Bill Perkins is the author of *Die With Zero*, founder and principal at [Skylar Capital Management](https://skylarcapitalmanagement.com) (an energy-focused hedge fund), co-founder of [SkyFi](https://skyfi.com) (commercial satellite imagery), and co-founder and president of [SynMax](https://synmax.com) (energy and maritime intelligence). A film producer, professional poker player, and philanthropist. Lives in the U.S. Virgin Islands.

## Key pages

- [Homepage](https://diewithzerobook.com/) — Overview, hero, key ideas, press, reader voices, buy
- [About Bill Perkins](https://diewithzerobook.com/author/) — Full bio, ventures, origin story, philosophy in practice
- [International Editions](https://diewithzerobook.com/international/) — 25 languages across 12 territories; retailer links per market
- [Free Mental Models PDF](https://diewithzerobook.com/sample/) — ~30-page illustrated companion PDF, free with email signup
- [Reader Reviews](https://diewithzerobook.com/reviews/) — Verified reviews from Goodreads, finance blogs, and the r/Fire community
- [Press](https://diewithzerobook.com/press/) — Wall Street Journal, Fortune, CNBC, Bloomberg, Yahoo Finance, NYT coverage
- [Apps](https://diewithzerobook.com/apps/) — Hub for the two companion apps: Spend Curve App and Time Buckets Toolkit
- [Spend Curve App](https://diewithzerobook.com/spend-curve/) — Embedded calculator for your personal optimal saving/spending curve
- [Time Buckets App](https://diewithzerobook.com/time-buckets/) — Launch page for the Time Buckets planner (hosted at app.diewithzerobook.com)
- [Japan landing](https://diewithzerobook.com/jp/) — Japanese-language site (ダイヤモンド社, 2022)

## Where to buy

Available in 25 languages. Major retailers per region:

- **US**: Amazon, Barnes & Noble, Hudson, Powell's, IndieBound, iBooks, Google Play
- **UK**: Amazon UK
- **Canada**: Amazon Canada
- **Australia**: Amazon Australia
- **Japan**: Amazon Japan, Kinokuniya, Rakuten, Diamond Inc. (publisher)
- **Taiwan**: books.com.tw, eslite, Kingstone, momoshop
- **Korea**: Aladin, Kbookstore, Interpark, Yes24
- **Germany**: Amazon DE, Thalia, Weltbild, Buchkatalog, Pustet, Dussmann, Rupprecht
- **Spain & Latin America**: Casa del Libro, Amazon ES, Amazon MX, Kobo, Target (Spanish edition)
- **Other**: Estonia (Apollo, Adlibris), Poland (Allegro, OSM Power), Serbia/Croatia/Bosnia (Vulkan, Knjizara, Makart), North Macedonia (Чітай книга, Купи книга, Mild, Литература), Türkiye (Trendyol, D&R, Simurg, Hepsiburada)

## Press

- [WSJ Money Interview (April 26, 2026)](https://www.wsj.com/business/die-with-zero-bill-perkins-wsj-money-interview-2a4440f4) — Bill Perkins on memory dividends and giving while you live
- [Fortune (April 30, 2026)](https://fortune.com/2026/04/30/multimillionaire-hedge-fund-manager-bill-perkins-money-should-drive-fulfillment-spending-it-all-before-he-dies/) — Why Bill Perkins is spending all his money before he dies
- [WSJ "Last Cowboy" profile](https://www.wsj.com/articles/bill-perkins-is-the-last-cowboy-betting-on-volatile-gas-markets-1501844400) — Earlier WSJ profile of Bill as an energy trader

## Optional

- [Bill Perkins on X (@bp22)](https://twitter.com/bp22)
- [Bill Perkins on LinkedIn](https://www.linkedin.com/in/bill-perkins-dwz)
- ISBN: 9780358099765 (US hardcover edition)