In our recent discussion on retirement in 2025, we explored the core concept behind Bill Perkins’ Die With Zero - a philosophy that challenges the traditional notion of stockpiling wealth until the end of life. Instead, we unpack how retirement planning can incorporate memory dividends, intentional giving, and enjoying your money throughout different seasons of life.
Rethinking Retirement in 2025
At the heart of Die With Zero is a radical rethink of how we approach wealth and time. Rather than deferring all enjoyment until retirement, Perkins encourages aligning spending with moments when you have time, money, and health. This struck a chord with us—as financial advisers, we’ve long helped clients measure the cost of their lifestyle to strike the right balance between enjoying life now and preparing for the future.
For many Kiwis, retirement in 2025 may feel financially distant or out of reach altogether. While the book targets a specific group—high earners or diligent savers who struggle to let go—the broader message still applies: live intentionally, plan wisely, and don’t delay meaningful experiences unnecessarily.
Memory Dividends and Seasons of Life
One of the standout ideas from Die With Zero is “memory dividends”—the emotional and psychological returns we get from investing in meaningful experiences. Whether it’s travelling in your 20s or taking time off in your 30s to spend with family, those moments are often more valuable than money sitting in a savings account.
In practice, that means recognising that life happens in seasons. Some adventures—like a three-month backpacking trip or spontaneous travel—might be best experienced in your 20s or 30s, while later stages of life may be more about connection, contribution, and simplicity. If retirement in 2025 is your focus, consider what you’ll want to do with that time—not just what you’ll want to have saved.
The Power of a Warm Inheritance
A compelling theme in the book is the idea of a “warm inheritance”—giving while you’re still alive so you can witness its impact. From helping with a first home deposit to supporting education or even giving to charity, warm inheritances can have far greater effect when they’re given at the right time.
We see this frequently in our financial planning conversations. With a structured plan in place, many clients realise they can help their kids earlier than expected without sacrificing their own long-term stability. Retirement planning, especially in 2025 and beyond, can include intentional giving as a key component—not just an afterthought.
Life Energy, Not Just Life Savings
Perkins also introduces the concept of “life energy”—the finite time, attention, and health we have to offer. It’s not just about preserving dollars, but preserving purpose. That might mean choosing to retire earlier with less income, or continuing to work longer in exchange for greater freedom later.
This perspective calls for honest trade-offs. We often ask clients: “Would you rather retire sooner with less, or later with more flexibility?” It’s about aligning your plan with your personal values—not just a retirement age or number in a bank account.
Key Takeaways
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Retirement in 2025 doesn’t have to mean waiting until 65 to enjoy life—start aligning money with memories now.
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Not all experiences are equal in every season of life. Spend intentionally while you still have time, health, and energy.
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A warm inheritance can make a greater difference than money passed on in your 60s or beyond.
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Financial planning provides the clarity to spend, gift, and live with confidence—without fear of running out.
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Use tools like life expectancy calculators or countdown apps (if you dare) to stay mindful of how you spend your time.
Next steps:
Whether you’re 35 or 55, Lighthouse wealth can help you create a retirement plan that fits your lifestyle and values.
If you’d like to learn more, check out these other episodes below.
For a no obligation discussion to see how we can help you on the path to wealth, please contact us.
Disclaimer:
The information in this article is general information only, is provided free of charge and does not constitute professional advice. We try to keep the information up to date. However, to the fullest extent permitted by law, we disclaim all warranties, express or implied, in relation to this article – including (without limitation) warranties as to accuracy, completeness and fitness for any particular purpose. Please seek independent advice before acting on any information in this article.
