本期节目邀请到对冲基金经理兼企业家Bill Perkins，他也是畅销书《零财富而终》的作者。Bill分享了“零财富而终”的理念，挑战了人们对健康、财富和时间之间平衡的传统观念。他主张追求“净满足感”最大化，而非净资产或健康。Bill认为，我们应该优化生活，在生命尚有时日时创造难忘的体验，而不是过度储蓄而错失生活。他探讨了如何运用“零财富而终”的原则，打破“自动驾驶”模式，优化生活，实现“净满足感”最大化。节目内容涵盖了Bill的成长经历、职业生涯、风险管理、目标设定、慈善观等方面，为听众提供了宝贵的启示，帮助人们思考如何更好地规划人生，活出充实而有意义的一生。

🤔 **Bill Perkins提出“零财富而终”理念，强调追求‘净满足感’最大化，而非一味追求财富积累。** 他认为，财富只是实现目标和体验生活的工具，真正的价值在于创造难忘的体验和获得人生的满足感。

⏳ **时间、金钱和健康是人生的三大变量，它们相互关联，需要合理平衡。** Bill强调要根据人生不同阶段，合理分配时间和资源，在不同季节体验不同的生活，例如年轻时追求冒险和体验，年长后注重家人和健康。

🚀 **打破“自动驾驶”模式，主动规划人生，优化生活体验。** Bill认为，很多人在生活中处于“自动驾驶”状态，缺乏目标和方向。他建议人们主动思考自己想要的生活，设定目标，并采取行动，打破惯性，活出自己想要的人生。

🎁 **慈善不仅仅是捐钱，更应该关注捐赠的实际效果。** Bill认为，慈善应该关注如何用钱创造更大的社会价值，而不是简单地捐款。他提倡将慈善与个人价值观相结合，选择更有意义的慈善项目，最大化慈善的社会效益。

📈 **人生净资产应该在何时达到峰值？** Bill认为，人生净资产应该在某个时间点达到峰值，然后逐渐减少，将财富用于创造更多体验和帮助他人，而不是一直积累财富。这体现了一种积极的人生态度，追求生命的意义和价值，而非单纯的财富积累。

View the Show Notes Page for This Episode

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Bill Perkins is one of the world’s most successful hedge fund managers and entrepreneurs, and the author of the bestseller, Die With Zero. In this episode, Bill unpacks the Die With Zero philosophy which challenges conventional thinking related to the balance between health, wealth, and time—the three variables important for fulfillment. Bill makes the case that we should strive for maximum net fulfillment rather than net worth (or even health). He argues that we need to optimize our life to have memorable experiences before it’s too late and that most people are over-saving and under-living. Bill also explains how one can apply the principles in Die With Zero to break out of “autopilot” and optimize their life to achieve maximum net fulfillment.

We discuss:

Bill’s upbringing, background, and first job on Wall Street [2:45]; A missed experience and feeling of regret that shaped Bill’s thinking [13:45]; Thinking in terms of time, and the relationship between money, time, and health [16:30]; Solving for net fulfillment and allocating your time based on the seasons of life [26:45]; How Bill thinks about risk, opportunity costs, and the difference between fear and risk tolerance [35:00]; Optimizing for fulfillment, finding purpose outside of work, and more [41:15]; Thinking about the order of experiences you want to have based on seasons of life [49:30]; Bill’s unique perspective on philanthropy and a more impactful way to give money away [54:15]; Applying the principles in ‘Die With Zero’ to maximize fulfillment [1:03:30]; How to break out of living life on autopilot [1:13:45]; When should your net worth peak? [1:17:30]; Taking calculated risks [1:21:00]; Bill shares a lesson from his incredible birthday [1:24:45]; How Bill’s philosophy has evolved since writing Die With Zero [1:33:30]; and More.

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