Episode: Putting Die With Zero Into Practice with Brad Barrett
Pub date: 2026-07-15
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#287: Chris and Brad Barrett revisit "Die With Zero" and confront how much harder Bill Perkins' ideas are to live than to agree with. They dig into when frugality flips from superpower to liability, the maximizer's struggle to let go, optimizing for the perfect Tuesday over the once-a-year trip, and giving money to your kids while it still matters.
Brad is the co-host of the ChooseFI podcast and co-author of Choose FI: Your Blueprint to Financial Independence.
Link to Full Show Notes: https://chrishutchins.com/die-with-zero-revisited-brad-barrett/
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Resources Mentioned
Brad Barrett: Website | X
- Book: Choose FI: Your Blueprint to Financial IndependencePodcast: The ChooseFI PodcastNewsletter: The ChooseFI NewsletterThe Tuesday Project
Books & Articles
- Die With Zero: Getting All You Can from Your Money and Your LifeThe Tail End by Tim UrbanThe Skill of Spending | Mr. Money Mustache
Tools
- The Big Ass CalendarCopilot Money
ATH Podcast
- Ep #68: Hosting Cocktail Parties, Building Relationships, Museum Strategies and Friends Newsletters with Nick GrayEp #189: Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten JeskeEp #282: Saving Money and Optimizing is My KryptoniteEp #285: Why Net Fulfillment Beats Net Worth with Bill PerkinsBest Cards PageNewsletterAMA: Submit QuestionsLeave a review: Apple Podcasts | SpotifyEmail for questions, hacks, deals, and feedback: podcast@chrishutchins.com
Full Show Notes
(00:00) Introduction
(02:14) Revisiting "Die With Zero" Four Years Later
(06:50) Is Intentional Frugality a Superpower?
(08:48) Where Chris Still Struggles to Spend
(15:04) The Psychology of Spending
(19:53) Maximizer vs. Satisficer: What Are You Optimizing For?
(23:35) Matching Your Effort to the Season of Life You're In
(25:04) How to Let Go When You Want to Do Everything
(31:50) Optimizing for Lasting Happiness
(37:23) Don't Run Away From What Lights You Up
(38:43) What Are You Actually Chasing More Money For?
(44:01) What Are You Really Saving For?
(45:46) Giving Money to Kids (and Causes) While It Still Matters
(50:40) Hedging Retirement Risk by Moving, Not Working Longer
(53:00) Fear Wasting Your Life More Than Running Out of Money
(57:52) Chris's Vision for a Family Summer Camp
(01:02:36) Building a Time-Bucket List of One-Off Dreams
(01:03:44) The Case for Doing "Nothing" on a Trip
(01:04:23) Chris's Three Main Takeaways
(01:06:23) Lowering the Barrier to Real-Life Connection
(01:09:55) Defining Net Fulfillment For Yourself
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