1. The document discusses strategies for maximizing life experiences and enjoyment based on the book "Die with Zero" by Bill Perkins. It recommends actively thinking about experiences you want and investing in them early rather than waiting. The goal is to use all of your money and resources on experiences and avoid dying with unused savings, as that represents unlived life. 2. Tools like longevity calculators can help plan spending based on life expectancy. However, people are often irrational about death and oversave for distant futures at the cost of present enjoyment. The document aims to encourage more mindful and experience-focused spending and living. 3. Resources like the authors' community provide extra tips, podcasts and support for implementing such

1. Dö med noll på kontot
- Diskussion utifrån boken ”Die with zero” av Bill Perkins
261

2. Bildspel till avsnitt #261
På bloggen RikaTillsammans finns det kompletterande
material i form av en artikel, en video och ett poddavsnitt.
Sök ”261” på www.rikatillsammans.se för att få
extramaterialet.

4. Dagens avsnitt #260
• Diskussion utifrån Bill Perkins bok ”Die with zero – getting all you can
from your money and your life.”
• Video ”This is Jane” –
• Jane har ett bra jobb, hon sparar till pension
• Hon går i pension och ägnar sig åt sin hobby och reser lite
• Jane dör med majoriteten av sina pensionspengar kvar…
• Pengar som inte längre har något värde för henne…
• Vore det inte bättre om hon använt sina pengar på ett annat sätt?
• Lite mer avancerat avsnitt, rekommenderar alltid #99 eller #238

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väljer själv din engagemangsnivå.
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6. 1. Maximize your positive life experiences
• Death wakes people up and the closer it gets, the more awake and
aware we become. When the end is near, we suddenly start thinking,
what the hell am I doing? Why did I wait this long? Until then, most of
us go through life as if we had all the time in the world.
• Everyones helath generally declines with time, and sooner or later we
all die, so the question we all must answer is how to make the most of
our finite time on earth.
• Som ingenjör kan man se det som en optimeringsproblem – hur kan
man maximera livsupplevelsen samtidigt som man minimierar
onödigt slöseri?

7. Bästa sättet att använda sin livsenergi på?
• Grundfrågan blir: ”Vilket är det bästa sättet att använda vår
livsenergi på innan vi dör?”
• Svaret bygger på ett antal principer:
• Vissa upplevelser mår man bättre av i olika perioder av sitt liv – t.ex. svårt att åka
vattenskidor när man är 90+
• Även om vi kan tjäna mer pengar i framtiden, så är det svårt att återta förlorad
tid och därmed är det ibland dumt att inte göra upplevelser idag för rädslan att
slösa på pengar…
• Tricket är att hitta det som gör en lycklig och sedan använda pengar
till dessa upplevelser.
• Men man bör gå längre än så – och ta hänsyn till att vissa upplevelser
behöver ske vid rätt ålder.

8. Ditt liv är summan av dina upplevelser
• Episod i boken där han berättar om sitt första jobb och hur han lyckats spara
pengar trots riktigt dålig lön. Får en utskällning av sin chef: ”I was taking
money away from my starving younger self, to give to my future wealthier
self.”
• Fortsätter på resonemanget i ”Your money or your life” av Vicki Robinson &
Joe Dominguez som introducerade ”livsenergi”.
• The book contended that your money represents life energy. Life energy is all the
hours that you’re alive to do things — and whenever you work, you spend some of
that finite life energy. So any amount of money you’ve earned through your work
represents the amount of life energy you spent earning that money.
• Livsenergi – om du tjänar 200 kr i timmen och köper något för 200 kr så är det en
timme av ditt liv som du gett bort för prylen.
• Ganska likt att fundera på t.ex. kaka och promenad.
• Syftet är att försöka ta mer medvetna beslut. Framförallt utifrån
resonemanget att ”Ditt liv är summan av dina upplevelser.”
• Upplevelser ger dessutom ”avkastning” i form av ”memory dividend”.

9. Recommendations
• Start actively thinking about the life experiences you’d like to have,
and the number of times you’d like to have them. The experiences can
be large or small, free or costly, charitable or hedonistic. But think
about what you really want out of this life in terms of meaningful and
memorable experiences.

10. 2. Start investing in experiences early
• Historien om hans rumkompis som lånade för att åka till Europa.
• The main idea here is that your life is the sum of your experiences. This just
means that everything you do in life—all the daily, weekly, monthly, annual,
and once-in-a-lifetime experiences you have—adds up to who you are.
• When you look back on your life, the richness of those experiences will
determine your judgment of how full a life you’ve led. So it stands to reason
that you should put some serious thought and effort into planning the kinds
of experiences that you want for yourself.
• Without that kind of deliberate planning, you’re bound to just follow our
culture’s well-trodden, default path through life—to coast on autopilot.
You’ll get to your destination (death) but probably without having the kind
of journey you would have actively chosen for yourself.
• Carson Downtown Abbey: “The business of life is the acquisition of
memories. In the end that’s all there is.”

11. You retire on your memories…
• That was when I realized that you retire on your memories. When
you’re too frail to do much of anything else, you can still look back on
the life you’ve lived and experience immense pride, joy, and the
bittersweet feeling of nostalgia.

12. ”Livspoäng” på upplevelser…

13. ”Avkastning” på upplevelser

14. Prenumerera på vårt nyhetsbrev
Prenumerera på vårt kostnadsfria månatliga nyhetsbrev. Där
får du våra bästa tips, artiklar och guldkorn. Läs mer:
rikatillsammans.se/nyhetsbrev

15. Recommendations
• Remember that “start early” is right now. Of those experiences you
thought about earlier, think about which ones would be appropriate
to invest in today, this month, or this year. If you’re resisting having
them now, consider the risk of not having them now.
• Think about the people you’d like to have experiences with—and
picture the memory dividends you stand to gain from having those
experiences sooner rather than later.
• Think about how you can actively enhance your memory dividends.
Would it help you to take more photos of your experiences? To plan
reunions with people you’ve shared good times with in the past?
Compile a video or a photo album?

16. 3. Aim to die with zero
• If you spend hours and hours of your life acquiring money and then die
without spending all of that money, then you’ve needlessly wasted too many
precious hours of your life. There is just no way to get those hours back. If
you die with $1 million left, that’s $1 million of experiences you didn’t have.
And if you die with $50,000 left, well, that’s $50,000 of experiences you didn’t
have. No way is that optimal.
• Särskilt om du räknar om det i timlön och arbetade timmar.
• If you don’t want to squander your life energy, you should aim to spend all
you money before you die. […] So to me it makes perfect sense to want to
die with zero. Not to reach zero before you die, which would leave you high
and dry, but to have as little as possible left unused for all the time and
energy you spent working to earn that money.
• Ingen ny idé, lanserade på 50-talet av Franco Modigliani “Life-Cycle
Hypothesis” “Wealth will decline to zero by the time of death.

17. Många ökar förmögenheten med åldern

18. Vad väntar man på?
• Why didn’t retirees spend more of their money when they were young
enough to enjoy it more fully? What were they waiting for?! There are
a couple of answers to that question. The first is that people did have
good intentions to spend the money, but once they reached a certain
age, they found that their wants and needs changed, or perhaps
diminished.
• Experts in retirement planning even have some lingo for this
consumption pattern:
• go-go years,
• slow-go years, and
• no-go years.

19. Recommendations
• If you’re still concerned and resisting the idea of dying with zero, try
to figure out where this psychological resistance comes from.
• If you love your job, and you love going to work every day, identify
ways that you can spend your money on activities that fit your work
schedule.

20. 4. Use all available tools to help you die with zero
Källa: https://www.longevityillustrator.org/

21. Sannolikhet för att överlevnad.
Källa: https://www.longevityillustrator.org/

22. Sannolikhet för att överlevnad. (forts.)
Källa: https://www.longevityillustrator.org/

23. Vi är irrationella kring döden…
“The human brain is wired to be irrational about death.” People avoid
the subject of death, they behave as if it’s never coming, and too many
don’t plan for it. It’s just some sort of mystery date in one’s future when
we expire.
This kind of blanket denial explains why so many people are willing to
spend tens or even hundreds of thousands of dollars to prolong life for
just a few more weeks. Think about it: That’s money that they spent
years or decades working hard for. They gave up years of their life while
healthy and vibrant to buy a few extra weeks of life when they are sick
and immobile. If that’s not irrational, I don’t know what is!

24. Även när vi har långt till den…
• But here’s the problem: People are irrational about death even when
they are not close to death. That’s why they have outsize fears of
running out of money before they die—big enough to compel many
people to oversave for the distant future and, as a result, fail to enjoy
their present as much as they could. But death and deterioration are
real for everyone, so the date of your death in the future should affect
what your behavior is now.
• Think of it one step at a time, starting with the most extreme case: If
you knew that you were going to die tomorrow, your behavior and
activities today would obviously change, maybe even taking a 180-
degree turn. Now take it down just a notch: If you were two days away
from death, your behavior and activities would change a little
differently, but they’d still be dramatically different than if you had 50
or 75 more years to live.

25. Hälsa på i vår community
I vår RikaTillsammans-community får du exklusivt
extra-material, FikaTillsammans-podd och fler tips. Du
väljer själv din engagemangsnivå.
https://patreon.com/rikatillsammans

26. Lycka till med ditt sparande!
Jan och Caroline Bolmeson