This article is about – peoples who make lot of money or run for money and do savings but one day they sick or die. Money will be no longer in use for that person. Therefore should we save or spend? What should be ratio between save and spend?
We spend our healthiest years trading time for money, often with the intent of using that money when we have less time (and potentially less health) left.
It’s a delicate dance between security and experience. Here is a deeper look at how to approach this balance.
1. The Philosophical Conflict
There are two extreme schools of thought here, and neither is perfect:
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The “YOLO” (You Only Live Once) Approach: This argues that since tomorrow isn’t guaranteed, you should maximize joy today. The risk? You live a long life and spend your final decades in financial stress.
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The “Deferred Life” Plan: This is the idea of grinding for 40 years to “finally live” at 65. The risk? As you noted, you might be too sick to enjoy it, or never make it there at all.
2. The “Die with Zero” Concept
There is a compelling philosophy popularized by Bill Perkins called “Die with Zero.” The core idea is that if you die with $1 million in the bank, that is $1 million worth of experiences you didn’t have, or $1 million worth of hours you worked for free.
The goal isn’t to be reckless, but to optimize your life fulfillment. This suggests:
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Spend on experiences early: Hiking the Himalayas is better done at 30 than 70.
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Give while living: If you plan to leave money to siblings or family, giving it to them when they are younger and can actually use it (e.g., for a home or education) is often more impactful than leaving it as an inheritance when they are already old themselves.
3. The Suggested Ratio: A Practical Framework
While everyone’s situation is different, a grounded way to look at your income is the 50/30/20 Rule, but with a “fulfillment” twist:
| Category | Percentage | Purpose |
| Needs | 50% | Housing, food, bills, and health. This is the “cost of existing.” |
| Wants (Joy) | 30% | This is your “Life Fund.” Use this for travel, hobbies, high-quality gear, or dining. This ensures you are “living” every month, not just waiting. |
| Savings/Future | 20% | This is for your “Older Self.” It’s a gift to your 70-year-old self so they aren’t forced to work if they are tired or sick. |
4. The “Health-Wealth” Connection
It’s often said that a healthy person has a thousand wishes, but a sick person has only one.
Instead of seeing “spending” and “saving” as the only two options, consider Investing in Health as a third category. Spending money on high-quality nutrition, a gym membership, or preventive check-ups isn’t “consumption”—it’s a way to ensure that when you do reach the age where you want to use your savings, your body is actually capable of doing so.
My Suggestion:
Don’t save for the sake of a high number in a digital account. Save for freedom. Once you have enough of a “safety net” to cover 6–12 months of life, start shifting your focus toward “Memory Dividends.” Spend on things today that will provide stories and satisfaction for the rest of your life.
Money is just a tool. If the tool is never used to build a life you enjoy, then the tool has failed its purpose.
Now the major problem is to change the routine as rewiring the brain is main important task to enjoy freedom but, We always stuck in a mud. This is the fight against yourself to change the brain chemistry. You may read this article to understand better. Why it is tough to change routine or flow? Mind perspective.
This content is written by Gemini AI along with my editing work.
