01 / Time Buckets
Spend by decade, not by year.
Slot experiences into the decade your body and life-stage can actually do them. Backcountry hikes belong in your 30s, not deferred to 70.
The Finance Issue
Bill Perkins · 2020
Die
With
Zero.
Optimize for memories, not your bank balance at 90.
The Thesis
Money is a tool. Time is the asset that runs out.
Most retirement plans optimize for the wrong number. They aim for the largest pile at 85, which is exactly when you have the least capacity to convert dollars into experience. Perkins inverts the problem: design your spending around the years you're physically and emotionally able to use it.
The mechanism is the memory dividend. An experience at 30 doesn't end when the trip ends — it pays out for 50 more years in retold stories, identity, and shared context. Cash held past your health-span pays nothing.
"You retire on your memories. Build the catalog deliberately."
Three Levers
The framework, in three moves.
02 / Memory Dividends
Experiences compound like assets.
A vivid experience at 28 returns memory interest for 60 years. Buy them early, share them with people, and let the dividend run.
03 / Net-Worth Curve
Peak, then deliberately decline.
Hit a peak around 45–60 and start drawing it down on purpose. Inheritance is given while you're alive; the safety net stays sized to your real needs.
Interactive Tool
Memory Dividend Calculator.
Pick an experience you're considering. The calculator estimates its dividend across the years you'll re-live it, scores your annualized return on memory, and tells you whether the timing is right.
Cost of experience
$2,500$100$10,000
Age at experience
352580
Years you'll relive it
30 years1 yr60 yrs
Memory richness
1 = forgettable · 5 = life-defining
Memory Dividend Value
$25,000
+30% / yr
Estimated total return on memory across the years you'll keep replaying this experience.
Experience Window
Prime Compounding Window
Energy still high, taste more refined.
Bucket: Ambitious & Shared (30s–40s)
Spend / Save Tradeoff
Spend it.
Lifetime timeline
20s30s40s50s60s70s80s
30s
Framework
Perkins's Time Buckets.
Every decade has experiences only it can hold. Map yours before they expire.
20s
/ Bold
High-energy, low-stakes adventure. Travel rough, sleep little, take risks the body forgives.
30s
/ Build
Career and family momentum. Spend on shared experiences before kids' schedules calcify.
40s
/ Anchor
Health-span begins to bend. Front-load the physical bucket list before it gets harder.
50s
/ Convert
Peak earning meets shrinking energy. Convert savings into high-richness experiences now.
60s+
/ Give
Health is the constraint, not money. Give the inheritance now, while you can witness it.
The Net-Worth Curve
Peak around 45–60, then deliberately decline.
The peak is the inflection point — past it, every dollar held is a dollar that won't become a memory. Plan the descent like you planned the climb.
Reader Marginalia
Community Insights
Vote for the lines that change how you'll deploy money this decade.
"Your life is the sum of your experiences."
Perkins's whole argument starts here: when you're 90, you don't tally your account balance — you replay your reel. Build the reel deliberately while you can still film new footage.
"Memories pay dividends — sometimes for the rest of your life."
A trip at 28 keeps paying out in stories, identity, and shared bonds for 60 more years. A trip at 78 gets fewer payouts. Time the spend to maximize the compounding window.
"The opposite of saving for retirement is wasting your prime."
Most people over-save in their 30s and 40s and end up with money they can't physically convert into experience at 80. The real risk isn't running out — it's not running it down.
"Health unlocks more experience than money ever will."
Past 60, the limiting input flips from dollars to vigor. A $200 hike at 35 can outscore a $20,000 cruise at 75 because your body is still on the bid.
"Give the inheritance while you're alive to see it land."
Money handed to a 60-year-old child has tiny optionality. Hand it to a 30-year-old and it buys a house, a sabbatical, a kid's preschool — you also get to watch what it becomes.
"Your final goal is balance, not maximum wealth."
The optimization isn't 'as much as possible' — it's 'as little as possible left over.' A small buffer for safety, then deliberately drawing the rest into life.
Action Steps
Each one is doable inside a week. Perkins's framework only works if it leaves the page and hits your calendar.
Sketch your time buckets this weekend.
On one page, write your remaining decades as columns (40s, 50s, 60s, 70s+). Drop every experience you want into the decade your body and life-stage can actually do it. Notice which buckets look thin.
Pick one delayed experience and book it this month.
Choose something you've been postponing 'for later' — the trip, the class, the reunion. Put a date on the calendar and a deposit down within 30 days. Memory dividends only start once the experience does.
Calculate your real 'enough' number.
Estimate annual spend × years to life expectancy × a modest buffer. Most people discover their 'enough' is 30–50% lower than the number their advisor is optimizing for. The gap is the spending budget.
Give one early inheritance gift this quarter.
Send a meaningful but not life-altering gift to a child, sibling, or close friend now — not in your will. Even a $500 transfer with a note proves the principle and starts the habit.
Run the Memory Dividend Calculator on your next big purchase.
Before any discretionary spend over $1,000, plug it into the calculator above. If the dividend ratio is under 2x, redesign the experience (add people, novelty, or stakes) before paying for it.
Schedule a yearly 'time audit' on your birthday.
Each year, review which bucket you're in, what experiences expired, and what to front-load before the next decade closes. One hour, once a year, prevents the slow drift Perkins warns about.
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