How can I plan to die with nothing?

After a lifetime of saving, a reader asks Allan something most financial advice never gets around to answering directly: how do you actually calculate spending it all down to nothing? The habits that build a nest egg, caution, restraint, saving for later, do not just switch off the day you retire, and that is the real obstacle here, not the math. Allan leans on Bill Perkins' Die with Zero thinking to reframe the goal, including the idea of a memory dividend, the notion that experiences pay you back for years after the money is spent, so timing when you spend matters as much as how much. He also looks at giving to children or causes now, while you can see the difference it makes, rather than only after you are gone. The piece ends on a mindset shift worth sitting with: the risk most retirees fixate on is running out of money, when the risk that actually deserves the worry is running out of time and health to enjoy what they saved. It is a thoughtful read for savers who have done everything right and still cannot give themselves permission to spend.