“ Die with Zero” by Bill Perkins

In “Die with Zero”, subtitled “Getting All That You Can from Your Money and Your Life”, retired engineer Bill Perkins takes an analytical view about making your life grow as opposed to making your money grow. Letting opportunities pass you by for fear of squandering money leads many to squander their lives instead.

Instead of just keeping on earning and earning to maximize wealth, too many of us don’t give nearly as much thought as to maximizing what they can get out of that wealth — including what they can give to others while they are living, instead of waiting until they die.

As opposed to spending money on things, which excitement depreciates over time, the author advocates spending on experiences, which grow in value over time, due to the “memory dividend”. Perkins advocates a systematic approach for eliminating the fear of running out of money (the main reason people oversave and underenjoy) while maximizing your and your loved ones enjoyment of that money. carve out these new requirements, which are basic, commonsense disclosure rules, is alarming and raises serious questions about its existing operations. They also do nothing to address the issues surrounding the ethics board and outside ethics counsel, which rubber-stamped Brian Noone’s actions.”

Being that the main idea is that your life is the sum of your experiences, you should put some thought into planning the kind of experiences you want. If you die with significant wealth but a scarcity of experiences, you worked a lot of hours just to accumulate money that you either never used or were too old to use.

You can waste your life by underspending. Life is not only about “accumulating”, it is also about “decumulating” or using the money to maximize your life which, in the end, is nothing more than the memories you make.

In a similar vein, giving inheritances early maximizes the impact of those inheritance on the recipients’ quality of life. The average age of heirs being about sixty, the money usually arrives too late to do the most good.

Your time is limited. The chief regrets of the dying are that they didn’t live their dreams more and spent too much time working, missing out on relationships and life experiences.

Behr added that one of his goals if elected would be to ensure that the inspector general’s office would function as a non-partisan and independent entity while complying with all town and state ethics requirements.

In the meantime, a permanent replacement for Noone has not been selected, although Brian Nevin, the town’s public information officer, wrote in a statement that the town board is currently collecting resumes to select a new inspector general.

“The process of identifying a new Inspector General is underway,” Nevin wrote. “Residents can be assured that multi-step oversight continues, thanks to retired Justice Angelo Dellagatti and the town attorney’s office.”

Nevin did not specify the process or a timeline by which the new inspector general will be selected.

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