Alexandersmap

    Tag: Bill Perkins

    • The Experience-Collecting Years

      “We all have at least the potential to make more money in the future, we can never go back and recapture time that is now gone. So it makes no sense to let opportunities pass us by for fear of squandering our money. Squandering our lives should be a much greater worry.” ― Bill Perkins, Die with Zero

      I saw an old friend at the local hardware store and caught up with him while juggling my handful of fasteners and domestic life enhancers. ’tis the season for stumbling upon old friends, as every errand seems to offer a harvest of good conversations with acquaintances from different parts of my life. When people get out of their homes more often serendipity offers opportunities we don’t get when holed up behind locked doors. Life is best experienced together, don’t you think?

      My friend in the hardware store asked me where I was traveling to next, thinking of me as a world traveller. In fact, most every friend I see asks me this question. Perhaps I overshare on social media, or perhaps they don’t travel much themselves. Who knows? I feel I don’t travel nearly enough, and that’s a driving force for more travel still. I view myself as a collector of experiences more than passport stamps, but the two tend to go hand-in-hand, mostly because if you want to experience something like climbing the Tower of Pisa or to navigate the labyrinth of the four quarters of the Old City in Jerusalem, you’ve got to travel to them.

      According to the Pew Research Center, only 11% of Americans have traveled to ten or more countries. I’m fortunate to be well past ten, and have a bucket list of countries I’d like to add to the list in my healthy, experience-collecting years. Once we’ve acquired just enough money and time to collect experiences (and it’s often a matter of prioritization), the only other currency to consider is our health. And friend, we aren’t getting any younger. With many experiences, it’s now or never. A Canadian friend, who travels far more than me, has a strategy to go to the farthest, most challenging places now, because when he’s older he won’t be able to do it. That seems pretty logical to me.

      We all have some idea of what a full life means for us. I admire people who are happy staying within the community they were born in, living a full and meaningful life within those borders, but for some of us that’s not quite enough. For we are nomads and adventurers, ambassadors and explorers. The experiences we seek aren’t meant to be for bragging rights at cocktail parties and local hardware stores, the experiences fill some void we feel within us, making us more whole.

      Our handful of experiences offers a return on investment in memories and perspective that is invaluable as we navigate the rest of our lives. In ten years what will the world look like? Will we even be able to cross certain borders? If we defer, will we be able to walk on ancient cobblestone roads or hike up icy trails in that evasive “someday, when”? There’s an opportunity cost to saying no to travel, just as there’s a financial cost to saying yes. I’m not advocating being irresponsible with financial currency, just don’t be too frugal with those health and time currencies. The best experience-collecting time is usually now.

    • That Beautiful Moment in Time

      “As soon as a milestone is passed, it’s significance fades, and the focus is shifted to some other marker further down the road. No matter what you do or how satisfying it is in that beautiful moment in time, immediately you want more. You have to, if you want to find out how good you can be.” — Glenn Pendlay

      Watching Olympic athletes perform at the highest levels is inspiring, but it also gives one pause when we consider our own personal best in any comparable activity. The Olympic rowers managed a stroke rate and speed over 2000 meters that I couldn’t imagine in my most fit days, let alone now. The Olympic cyclists just rode 173 kilometers in twice the average speed that I ride 35 kilometers. But comparison is the death of joy, as the saying goes. All that matters is that we are actively improving our own lot and appreciating the work that goes into being elite at any activity.

      Wanting more is natural when we seek to maximize our potential. We must always remember that we’re competing against ourselves, always. What do we wish to excel in? Do we have the physical and mental ability to thrive in that environment? And the most important question of all: What are we willing to sacrifice in our lives to achieve it?

      As Bill Perkins pointed out in his book Die With Zero, we are all given time, health and financial capital in our lifetime. We rarely have the optimal amount of all three at any given time. The key to a great life is to optimize the currency we have in any stage of life. When we’re young we have time and health but usually not much money. When we’re in the middle of our careers we don’t seem to have much time even as we begin to accumulate more money. And of course when we’re old we have time and hopefully enough money to enjoy the time but may not have the health and fitness we had when we were younger. We ought to consider those three currencies we’re all given in our lifetime when weighing when and what to focus on.

      So what are the milestones we’ve reached in our lives? What is the next milestone, given our base level of fitness, time and financial freedom to go after those goals? Don’t we wonder as we clear one milestone after another just how good can we be? If achieving each milestone offers us our unique beautiful moment in time, doesn’t the pursuit of personal excellence—arete—become every more compelling as we climb?

    • Picked Up Pieces 2023: Insights From Books Read

      2023 was full of both wonder and horror, depending on which direction you were looking in and how immersed you were in your personal corner of the world. The news doesn’t help any of us live a more introspective, insightful life. For that we need to open ourselves to new experiences or dive deeper into the pond we’re swimming in already. We ought to be more aware, more open to change, more engaged and more adventurous in our days. And yes, we ought to read more, for the doors books open for us into worlds we’d never experience otherwise.

      As with every year, there’s only so many books you can fit in, so we ought to make them worthwhile. This is not a “best of 2023” list, but ten of the books I found most enlightening and informative. There are no fictional novels on this list, but rest assured, some of my favorite books of the year were fiction. This was a year of personal growth, and the reading reflects that. Every book we read is a stepping stone to more books. We, in turn, become what we focus on the most. It’s no mystery that that theme comes up a few times in this list.

      Brad Stulberg, The Practice of Groundedness
      We must shake ourselves loose from the frantic pursuit of everything and ground ourselves in the things that matter most in our lives. Steady, focused attention on the essential moves us closer to becoming who we want to be.

      “When we strive to be everywhere and do everything, we tend to feel like we’re not fully experiencing anything. If we’re not careful and protective of our attention, it can seem like we’re losing control of our lives, bouncing from one distraction to the next.”

      “Most breakthroughs rest upon a long-standing foundation of steady and consistent effort. For so many of the meaningful endeavors in our lives, the best way to move fast is to go about it slowly, to proceed with a gentle yet firm persistence.”

      Gary Keller, The One Thing
      We can’t possibly master everything. We must decide who we will become and focus our attention on achieving it.
      “Our purpose sets our priority and our priority determines the productivity our actions produce.”

      “One of our biggest challenges is making sure our life’s purpose doesn’t become a beggar’s bowl, a bottomless pit of desire continually searching for the next thing that will make us happy.”
      “Pick a direction, start marching down that path, and see how you like it. Time brings clarity and if you find you don’t like it, you can always change your mind. It’s your life.”

      “When you can see mastery as a path you go down instead of a destination you arrive at, it starts to feel accessible and attainable. Most assume mastery is an end result, but at its core, mastery is a way of thinking, a way of acting, and a journey you experience.”

      Arthur C. Brooks, From Strength to Strength: Finding success, happiness, and deep purpose in the second half of life
      We will all face a decline in our fluid intelligence and physical ability. The good news is we can reinvent ourselves to maximize the talents developed over our lifetime. This is expressed as our crystalized intelligence, optimized for our latest stage of life.

      “Here is the reality: in practically every high-skill profession, decline sets in sometime between one’s late thirties and early fifties. Sorry, I know that stings. And it gets worse: the more accomplished one is at the peak of one’s career, the more pronounced decline seems once it has set in.”

      “If your career relies solely on fluid intelligence, it’s true that you will peak and decline pretty early. But if your career requires crystallized intelligence—or if you can repurpose your professional life to rely more on crystallized intelligence—your peak will come later but your decline will happen much, much later, if ever.”

      “You must be prepared to walk away from these achievements and rewards before you feel ready. The decline in your fluid intelligence is a sign that it is time not to rage, which just doubles down on your unsatisfying attachments and leads to frustration. Rather, it is time to scale up your crystallized intelligence, use your wisdom, and share it with others.”

      Pico Iyer, The Half Known Life : In Search of Paradise
      Human history is a quest a search for that elusive paradise, or heaven on earth. The trouble is we don’t see it when we have it, and we tend to destroy it in our embrace.

      “As soon as I came of age, I posted myself full-time in the New World, and started inhaling the gospel of possibility as it came to me through Emerson and Thoreau. Why look to old Europe and the wisdom of conventions? they reminded me: we are wiser than we know, if only we can awaken to a sense of all that lies beyond our knowledge.”

      “A true paradise has meaning only after one has outgrown all notions of perfection and taken the measure of the fallen world.”

      “Reality is neither an insult nor an aberration, but the partner with whom we have to make our lives.”

      “In Japan a cemetery is known as a “city of tomorrow.”

      Bill Perkins, Die With Zero: Getting All You Can from Your Money and Your Life
      The three currencies in our life are time, money and health. Each stage of life offers an abundance of one or two of the three, but rarely all of them. We must maximize each stage of life based on the currency available to us.

      “Unlike school years and round-trip vacations, the end points of most periods in our lives come and go without much fanfare. The periods may overlap, but sooner or later each one comes to an end. Because of this eventual finality of all of life’s passing phases, you can delay some experiences for only so long before the window of opportunity on these experiences shuts forever.”

      “Being aware that your time is limited can clearly motivate you to make the most of the time you do have.”

      “The more traditional bucket list is usually put together by an older individual who, when confronted with their mortality, begins to scratch out a list of activities and pursuits they not only haven’t done yet but now feel compelled to do quickly, before time runs out. By contrast, by dividing goals into time buckets, you are taking a much more proactive approach to your life. In effect, you’re looking ahead over several coming decades of your life and trying to plan out all the various activities, events, and experiences you’d like to have. Time buckets are proactive and let you plan your life; a bucket list, on the other hand, is a much more reactive effort in a sudden race against time.”

      Edith Hamilton, The Greek Way
      We have a lifetime to develop our character, with each day an opportunity to find something within us that is divine. Life is meant to be a joyful quest for excellence. The ancient Greeks, flawed as they were, rose to develop greatness within themselves and left a template for humanity.

      “We are composite creatures, made up of soul and body, mind and spirit. When men’s attention is fixed upon one to the disregard of the others, human beings result who are only partially developed, their eyes blinded to half of what life offers and the great world holds.”

      “If we had no other knowledge of what the Greeks were like, if nothing were left of Greek art and literature, the fact that they were in love with play and played magnificently would be proof enough of how they lived and how they looked at life. Wretched people, toiling people, do not play.”

      “To rejoice in life, to find the world beautiful and delightful to live in, was a mark of the Greek spirit which distinguished it from all that had gone before. It is a vital distinction. The joy of life is written upon everything the Greeks left behind and they who leave it out of account fail to reckon with something that is of first importance in understanding how the Greek achievement came to pass in the world of antiquity.”

      “Character is a Greek word, but it did not mean to the Greeks what it means to us. To them it stood first for the mark stamped upon the coin, and then for the impress of this or that quality upon a man, as Euripides speaks of the stamp—character—of valor upon Hercules, man the coin, valor the mark imprinted on him. To us a man’s character is that which is peculiarly his own; it distinguishes each one from the rest. To the Greeks it was a man’s share in qualities all men partake of; it united each one to the rest. We are interested in people’s special characteristics, the things in this or that person which are different from the general. The Greeks, on the contrary, thought what was important in a man were precisely the qualities he shared with all mankind. The distinction is a vital one. Our way is to consider each separate thing alone by itself; the Greeks always saw things as parts of a whole, and this habit of mind is stamped upon everything they did.”

      John Stevens, Zen Bow, Zen Arrow: The Life and Teachings of Awa Kenzo, the Archery Master from Zen in the Art of Archery
      Eliminate clutter from the mind and focus on that which is most essential in the moment.

      “If your mind
      Targets your soul,
      You can abandon the ego with no self,
      And make
      Each day anew.”

      “Continue to progress, do not stagnate. Consider a spinning top. It moves around a stable center. It spins and spins until finally falling over, exhausted.”

      Winifred Gallagher, Rapt: Attention and the Focused Life
      Focus is the essential ingredient to creativity and effectiveness. Carve out the time necessary to do anything of consequence.

      “Paying attention to positive emotions literally expands your world, while focusing on negative feelings shrinks it—a fact that has important implications for your daily experience.”

      “Attention, from the Latin for “reach toward,” is the most basic ingredient in any relationship, from a casual friendship to a lifelong marriage. Giving and receiving the undivided sort, however briefly, is the least that one person can do for another and sometimes the most.”

      “If most of the time you’re not particularly concerned about whether what you’re doing is work or play, or even whether you’re happy or not, you know you’re living the focused life.”

      “Because your remembering self pays attention to your thoughts about your life, rather than to the thing itself, it can be difficult to evaluate the quality of your own experience accurately.”

      “Of creativity’s many integers, attention is one of the most important. Whether your form of expression involves concocting a sauce, decorating a room, or writing a poem, you need both an active, exploratory focus on the matter at hand and the long-term concentration required to gain the knowledge and skills that support true mastery.”

      Brian P. Moran, The 12 Week Year: Get More Done in 12 Weeks than Others Do in 12 Months
      We can do far more than we think we can by creating a sense of urgency and immediacy to our work.

      “We mistakenly believe that there is a lot of time left in the year, and we act accordingly. We lack a sense of urgency, not realizing that every week is important, every day is important, every moment is important. Ultimately, effective execution happens daily and weekly!”

      “The end of the year represents a line in the sand, a point at which we measure our success or failure. Never mind that it’s an arbitrary deadline; everyone buys into it. It is the deadline that creates the urgency.”

      “Periodization began as an athletic training technique designed to dramatically improve performance. Its principles are focus, concentration, and overload on a specific skill or discipline.”

      “Without a compelling reason to choose otherwise, most people will take comfortable actions over uncomfortable ones. The issue is that the important actions are often the uncomfortable ones.”

      “The one thing that moves the universe is action.”

      Will & Ariel Durant, The Lessons of History
      History repeats, and we must be diligent in learning the lessons of history that we don’t repeat the mistakes of the past.

      “The only real revolution is in the enlightenment of the mind and the improvement of character, the only real emancipation is individual, and the only real revolutionists are philosophers and saints.”

      “In England and the United States, in Denmark, Norway, and Sweden, in Switzerland and Canada, democracy is today sounder than ever before. It has defended itself with courage and energy against the assaults of foreign dictatorship, and has not yielded to dictatorship at home. But if war continues to absorb and dominate it, or if the itch to rule the world requires a large military establishment and appropriation, the freedoms of democracy may one by one succumb to the discipline of arms and strife. If race or class war divides us into hostile camps, changing political argument into blind hate, one side or the other may overturn the hustings with the rule of the sword. If our economy of freedom fails to distribute wealth as ably as it has created it, the road to dictatorship will be open to any man who can persuasively promise security to all; and a martial government, under whatever charming phrases, will engulf the democratic world.”

    • Faster Things

      Last Sunday morning, the sunshine felt like rain
      The week before, they all seemed the same
      With the help of God and true friends, I’ve come to realize
      I still have two strong legs, and even wings to fly
      So I, ain’t a-wastin time no more
      ‘Cause time goes by like hurricanes, and faster things
      — Gregg L. Allman, Ain’t Wastin’ Time No More

      The years fly by, and we begin to notice this at our own pace. Sometimes it takes a tragedy to shake us out of the fog of distraction, as it did for Gregg Allman when his brother Duane died in a motorcycle accident, prompting lyrics like those above. When someone is taken from us in the prime of life it shakes the survivors around that person to the core. At some point, if we’re lucky, we awaken to the reality of memento mori without being turned upside down by tragedy, and simply begin at last to live in earnest.

      The whole point of remembering that we all must die is to live now, while there’s still time. It’s easier said than done, as life piles on the busy. Life will never be perfectly aligned to do everything we possibly could do in our lifetime, but if we focus on essential things we might feel we’ve done enough. A lifetime is always a faster thing than we care to believe, so a bit of structure and purpose go a long way towards feeling we did what we could in the time we have.

      The trick is to structure is to put everything in it’s season. Bill Perkins called this time buckets in his book Die With Zero. Using time buckets, we may prioritize what is most essential now, and what can (and cannot) be deferred to later. For example, I may never hike the Appalachian Trail as I thought I might at 20, but I can still chip away at other things that require the fitness and time I have available now for other worthy life goals. But how do you determine what is essential when if you don’t make the time to make the list and assign it to its proper time? We are what we prioritize. Use this time bucket to map out all the rest.

      Since I began writing this post we’ve seen a few famous people pass away, and we’ve all collectively gained another week of experience in our lifetime. Those sands keep pouring out of the hourglass, whether we’re ready for it or not. Our best chance at a full lifetime is to wrestle with our days one at a time, but with the structure of an overriding purpose and plan for how to use each season. Because time goes by like hurricanes, and faster things.

    • Then Agains

      “Mortality makes it impossible to ignore the absurdity of living solely for the future.”
      ― Oliver Burkeman, Four Thousand Weeks: Time Management for Mortals

      “We’ve been granted the mental capacities to make almost infinitely ambitious plans, yet practically no time at all to put them into action.”
      ― Oliver Burkeman, Four Thousand Weeks: Time Management for Mortals

      “We all have at least the potential to make more money in the future, we can never go back and recapture time that is now gone. So it makes no sense to let opportunities pass us by for fear of squandering our money. Squandering our lives should be a much greater worry.”
      ― Bill Perkins, Die with Zero: Getting All You Can from Your Money and Your Life

      This blog may feel like a one hit wonder, dancing around the twin themes of memento mori and carpe diem. This is a reminder to myself, blogging steadily along through the living years, to “not squander Time; for that’s the Stuff Life is made of” (as Ben Franklin put it). Stuffing a blog post chock full of quotes is no way to write though, is it? ChatGBT could probably summarize all of my posts into one grand idea, and perhaps one day soon I’ll accept that challenge. But for now you’ve got the single content of a guy finding his way in the world, just as you are and everyone else is, even those people who say they have it all figured out (don’t ever believe them).

      I’m pondering that elusive re-design of the blog, finally implementing the things I’d envisioned all along, finally re-introducing email subscriptions and a more elegant reader experience. Then again, I’m pondering finally pulling that novel out of forever draft form and doing something with it (the Muse gave up on this project long ago). Then again, I’m thinking about doubling down on work and really making the next five years something special. And then again, I’m thinking about just renting a cabin in a remote corner of Labrador and watching the Northern Lights all winter (at least until the polar bears eat me). Such is the thing with then agains: they keep on coming up.

      Then again, and at the very least, fill this particular time bucket with the stuff that makes the most sense for now. Make something special out of the work that resonates for you, or get off your complacent behind and go find work that feels special. Then again, go use the body your blessed with in this moment for all that you can get out of it. If we’re lucky our minds will be with us until the end, but our health could go at any time.

      Doesn’t everything die at last, and too soon?
      Tell me, what is it you plan to do
      with your one wild and precious life?
      —Mary Oliver, The Summer Day

      This is the season. It’s not or never for some of those essential experiences. Go dance with life, and make it a song you really love. I’ll do the same. Carpe diem and all that. Let me remind myself and you if you care to listen: some day we’ll run out of thens, so once again, seize the day.

    • Venture, and Be Bold

      “Don’t underestimate the risk of inaction. Staying the course instead of making bold moves feels safe, but consider what you stand to lose: the life you could have lived if you had mustered the courage to be bolder. You’re gaining a certain kind of security, but you are also losing experience points.” — Bill Perkins, Die With Zero

      The question came up just before I began writing this blog—So what are you doing today? It was asked by a friend dashing off to go scuba diving. I mumbled something about the number of miles I needed to walk to maintain my commitment to a charity I’m walking for. There are of course many ways to cover the miles, the trick is to make the way worthy of the things we’re opting out of.

      So what are we doing today? Is it something epic and memorable, or is it satisfying some commitment made? There’s surely value in commitment, for it grounds us in profoundly meaningful ways. We just can’t let it grind us to dust. We must choose our commitments wisely, and default to enriching our life with experiences that lend exponentially profound meaning to a lifetime. If the game of life is score by how well we live it, then we all ought to double down on enriching our days with fulfilling and memorable experiences. Whatever we decide to do with our days, we ought to make it bolder than we might have defaulted to otherwise.

      “Begin, be bold, and venture to be wise.” ― Horace

      It’s essential for us to ask ourselves, what makes a great life? We all keep score in our own way, for we all value some things more than others. Some value security, while some value spontaneity, others simply try to find balance. Life shouldn’t be about regret minimization on our deathbed, but a purposeful quest to reach for a higher plane. Each experience is accumulated and cherished for what it makes of us. Each day may yet be savored. So go on, venture wisely, but with a dash of boldness in this day.

    • Time Buckets

      “Draw a timeline of your life from now to the grave, then divide it into intervals of five or ten years. Each of those intervals—say, from age 30 to 40, or from 70 to 75—is a time bucket, which is just a random grouping of years. Then think about what key experiences—activities or events—you definitely want to have during your lifetime. We all have dreams in life, but I have found that it’s extremely helpful to actually write them all down in a list… Your list will be your own unique expression of who you are, because your life experiences are what make you who you are…
      Then, once you have your list of items, start to drop each of your hoped-for pursuits into the specific buckets, based on when you’d ideally have each experience…
      by dividing goals into time buckets, you are taking a much more proactive approach to your life. In effect, you’re looking ahead over several coming decades of your life and trying to plan out all the various activities, events, and experiences you’d like to have. Time buckets are proactive and let you plan your life; a bucket list, on the other hand, is a much more reactive effort in a sudden race against time.” — Bill Perkins, Die With Zero

      When I was helping to raise two very active children, I could barely keep up, let alone plan a sabbatical for three months to explore the fiords of Norway. If you learn anything as a parent, it’s that to be a good parent your own desires should take a back seat to the needs of your family’s. But that phase of life is a different time bucket that you’ll have before and after it. Everything has its season. The trick is to identify when those seasons are and feel the urgency to fill it with experiences that fit it best. I wouldn’t trade the time with my children when they were growing up for anything. Now that they’ve grown up, I might just look towards those fiords again.

      “If not now, when?” ought to be the our mantra, for there’s truth in it when we face it. Time buckets put it all in black and white. We see immediately what is possible and what will be a forever dream. If we don’t book the experiences we want in life, we’re likely to miss them altogether. History is full of people with regrets in those final moments.

      Many people go through life believing that they’ll do those big life experiences when they retire, but forget that our bodies may have other plans. We’re more fragile than we want to believe we are. And there’s no currency more valuable than health and fitness. Some things simply can’t be done when we lose this currency. If you want to hike the Appalachian Trail or follow the Tour de France course on your own bike, it’s unlikely you’ll be able or inclined to do these things when you’re 70 or 80. Even if you are, you’re body is better equipped for the experience when you’re 25 or 35. Time buckets force us to look at such things and determine where in our lives certain experiences best fit in, while reconciling what we’ll never do if we defer any longer.

      Putting life experiences into buckets has merit, but there has to be room for serendipity in our lives too, for life should never be fully lived based on a Day-Timer or spreadsheet. The point isn’t to schedule every aspect of our lives, but to identify the buckets of time when we’re most likely to have the time and resources to do the things we most want to do in this lifetime: Build it and they will come. Life is what what we plan for and make of our time. We’ll have misses along the way, but we ought to put ourselves in the best position to play the hits too.

    • The Optimal Time

      “My number one rule is: Maximize your life experiences. So spend your money while you’re alive—whether it’s on yourself, your loved ones, or charity. And beyond that, find the optimal times to spend money.” — Bill Perkins, Die With Zero

      The dilemma of how much money is enough is the epitome of a first world problem. It’s a fabrication of the society we happen to be in, designed to have us maximize our earning time that we might contribute as much of ourselves as possible before our effectiveness declines. Alternatively, we might choose to make the most of every day rather than making the most possible money in our careers. This is the opposite of nihilism, this is living with purpose and intent at the time in our lives when we are healthiest and most able to be active participants in exploring our potential.

      There are two questions at work here: The where and when of spending time versus money. If a paycheck is the tradeoff for hours of our life, then what is that hour worth to us? We must set ourselves up to have just enough to get by until our very end, whenever that happens to be, without becoming a burden on our families. Perkins’ position is that most people overestimate how much they need in the end, at the expense of living in the middle. Will that time at the office have been worth it when we arrive on our deathbed? Just what are we trading in the process? Put another way, is this the optimal time to optimize time instead of money?

      We each want to contribute something to the world. We must balance this with what the world gives back to us. If we don’t ask for our fair share of time, the time will simply find someone else who wants it more. The optimal time to live is now. Everything else is compromise and sacrifice. Be sure the trade is worthy of your life. We all know, deep down, what matters most. Now is the time to optimize how we’re living.

    • Becoming Rich With Memories

      “The business of life is the acquisition of memories. In the end that’s all there is.” — Mr. Carson of Downton Abbey

      “You retire on your memories. When you’re too frail to do much of anything else, you can still look back on the life you’ve lived and experience immense pride, joy, and the bittersweet feeling of nostalgia…. Making deliberate choices about how to spend your money and your time is the essence of making the most of your life energy.” — Bill Perkins, Die With Zero

      We all talk of how the time flies by, but perhaps we ought to focus on how many great memories we accumulate in that span. If we’re living well, experiences are acquired and flipped into memories with the turn of the calendar. We may not become financially wealthy, but surely we might accumulate a lifetime of memories worthy of our time. As the quote above points out, in the end, isn’t that all there is?

      What are memories but the realization of deliberate action? As much as I love a good spreadsheet, I know deep down that working in them isn’t creating memories that will last a week, let alone a lifetime. But I may just remember the conversation I have with someone important in my world a lot longer. I may recall the thrill of peering over a cliff at an angry ocean in Portugal and smile someday when I’m too old for such things. I expect I’ll still smile at the recollection of my kids realizing the amusement park ride they insisted on going on was going to be a lot scarier than they’d bargained on when they begged to go on it. This is the accumulated wealth of memories.

      Perkins’ book challenges us to stop accumulating savings and start spending our money while we’re healthy and fit enough to actually do the things we promise ourselves we’ll eventually do, someday, when we retire. As if we can do at 65 what we might do at 25 or 35. Do it now. There is no tomorrow, and if there is, we won’t be able to pull off some of the things we believe our bodies and minds will be capable of someday when.

      I’ve watched too many people in my life hear the news that they won’t make it to retirement. Cancer seems to be the most common thief of dreams, but maybe an accident or a heart attack steals everything you’ve ever planned for “someday when” away from you. Your life is now: accumulate the memories that will make you richer then. It’s the best return on investment we can have with today.