SKU: 57956271886

別把你的錢留到死:懂得花錢,是最好的投資——理想人生的9大財務思維

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別把你的錢留到死:懂得花錢,是最好的投資——理想人生的9大財務思維: : Die with Zero YPA Best Nonfiction 100% Bill Perkins Die with Zero 9 1 2 3 4 5 6 7 8 9 Die with Zero Bill Perkins 510 1. 2

作者: 比爾.柏金斯  |  譯者: 吳琪仁


       ●    你是否想過,在你死前沒把錢花光都是浪費?
  ●    最佳的金錢分配策略是什麼?
  ●    如何在時間、健康與金錢之間取得平衡?
  ●    「死前財產歸零」(Die with Zero)是最佳財務策略,更是全新的人生腳本!

  ★財經作家綠角、小資YP、A大、理財館長專文推薦
  ★《拿鐵因子》作者大衛‧巴哈盛讚
  ★《華爾街日報》暢銷書
  ★亞馬遜財經暢銷書、編輯評選最佳書籍(Best Nonfiction)
  ★經濟學家、企業家、暢銷作家、知名演員一致推薦

  「人生要過得好,而不只是活著。」
  美國知名對沖基金經理人告訴你:
  如何100%享用金錢,做出人生最好的投資。

  美國知名對沖基金經理人比爾.柏金斯(Bill Perkins)認為:如果你花了許多時間去賺錢,卻根本來不及在死前享受到那些金錢,那你就浪費了寶貴的時間。因為金錢只是達到目標的手段:更重要的目標是享受生命。但是,很多人卻為了賺錢,犧牲了更重要的目標。

  比爾.柏金斯提出的「死前財產歸零」(Die with Zero)是指,只要存夠退休的錢,並且要給家人、要捐作慈善的錢都給了,你就應該充分享用金錢、投注更多精神創造難忘的人生經驗──不要在辦公室耗上更多時間,也不要等到年紀太大,什麼都做不了才後悔莫及。

  從你的錢和人生中,得到你想要的一切
  讓人生全面升級的9大金錢法則

  ■法則1 盡力最佳化你的人生
  不要等到退休後才開始做自己喜歡的事情。積極去擁有你現在想要的人生體驗,多多享受有意義和難忘的體驗吧。

  ■法則2 儘早投資各種體驗
  你的人生就是你所有體驗的總和,當你回顧時,會記得這些體驗的豐富內容。請規畫你想要的體驗並立即開始行動。

  ■法則3 訂下財產歸零目標
  在理想情況下,你應該在死前將錢花到一毛不剩──將錢花在擁有絕佳的個人體驗、照顧家人和留名青史。這就是目標。

  ■法則4 應用所有規劃工具
  你不知道自己究竟何時會死,但有些工具可以讓你對於預期壽命有個大概的了解。請在計劃中使用這些工具。

  ■法則5 該給的錢就現在給
  在過世前就把你想留給孩子的部分給他們,等你過世後再給一點意義也沒有。如此一來,你便可以在對他們的生活產生最大影響時給予幫助。

  ■法則6 不要習以為常地過生活
  關於個人理財和平衡競爭需求,沒有普世通用的規則。不要習以為常地過生活,要做好不斷更新和改變的準備。

  ■法則7 為人生設定時間表
  人終有一死。在那之前你會經歷幾個階段或時節。務必依照不同階段去進行規劃,而不是天真地以為自己會永遠走下去。

  ■法則8 了解自己的頂峰
  為了實現人生最大的成就,你應該在最佳的時間點停止工作。在人生結束前先弄清楚那是什麼。沒有人臨終躺在床上時,會希望自己在辦公室花費更多時間。

  ■法則9 大膽冒險,把握機會
  你愈年輕就該承擔愈大的風險,也應該愈勇敢。找出風險很小的機會,並去冒險。一旦你年紀漸長,就沒辦法這樣做了。

  以「死前財產歸零」(Die with Zero)為目標,你會永遠改變自己的慣性,從賺錢、存錢和追求累積財富,變成活出你能擁有的最棒人生――有了這個目標,你肯定會在人生中收獲最多。 


比爾‧柏金斯(Bill Perkins)

  美國知名對沖基金經理人、企業家。被《華爾街日報》譽為對沖基金的「最後一位牛仔」,同時也是歷史上最成功的能源交易員之一。他曾在5年內,為自己任職的公司創造了超過10億美元的收益。

  在愛荷華大學修習電機工程學後,柏金斯進入華爾街接受培訓,之後搬到德州休士頓。在那裡,他成為一位大獲成功的對沖基金經理,專攻創投與能源行業。柏金斯除了是身家超過1.2億美元的對沖基金經理人,也涉足電影產業,擔任好萊塢電影的製片。同時,他也是一名高額錦標賽撲克玩家。

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Tricia H.
Grantham, US
★★★★★ 5
Delicious and easy to chew probiotic gummies that also add fiber to your diet!
i just received this package of probiotic fiber gummies and can assure you that they taste terrific! The container is easy to open and includes an internal seal both to assure freshness and the safety of the product. These are individual gummies that are easy to chew and taste yummy! One flavor is citrusy and another has a berry flavor. Chewing them was not at all difficult and I did not feel like I ended up with lots of residual product stuck in my teeth. Each serving of 3 gummies provides 6 grams of fiber which is an additional benefit to the probiotics! The recommended dose is 3-6 gummies per day. As well as being flavorful and easy to chew, the addition of fiber is a great benefit for most people’s diets! I am a healthy woman of “a certain age” as the French say. I don’t have specific health problems that I know of but I am trying in general to maintain a healthy lifestyle. That was my goal in acquiring this product. This is the first day I have eaten and enjoyed these probiotic gummies. Of course I have not experienced any health benefits yet but my initial experience eating these soft gummies has been extremely positive! If you are interested in adding probiotics or fiber to your diet, I encourage you to purchase these inexpensive, delicious and easy to chew gummies!
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on May 13, 2026
J
JReader
Lexington, US
★★★★★ 5
Tastes Great!
I’ve tried a lot of fiber supplements over the years, and these are honestly one of the easiest ones to stick with consistently. The biggest thing for me is that they actually taste good. The Citrus Berry Splash flavor is pleasant without being overly sweet or having that weird artificial vitamin aftertaste some gummies have. They’re soft and easy to chew too. Some fiber gummies can be oddly hard or stick to your teeth, but these have a good texture and are easy to take daily. What I really appreciate is the convenience. It’s so much easier for me to remember gummies than mixing powders into drinks all the time. I can just take them quickly in the morning or after dinner and be done with it. After using them consistently, I’ve noticed they help keep things more regular without feeling harsh or causing the kind of stomach discomfort some fiber products can. They feel gentler compared to a lot of other options I’ve tried. The large bottle is another plus. With 126 gummies, it lasts quite a while, so even though the upfront cost might seem a little high, I think the value is pretty reasonable for how long they last. I also like that they’re a simple way to add a little extra support to my routine, especially on days where my diet probably isn’t perfect. Overall, easy to take, good flavor, gentle on the stomach, and something I’ll continue buying.
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Reviewed in the United States on May 11, 2026
J
✮ Jess ✮
Port Orchard, US
★★★★★ 5
Yummy and great alternative!
I’m a regular user of Benefiber powder. I add it to my protein shakes in the morning - but there are days I don’t have time to make a shake. I needed an alternative source for fiber and decided to try these. PROS: - Tasty! I really like the fruity flavor. It’s not too strong of a flavor and it leaves a decent aftertaste. - They’re easy to chew, swallow, and go down. - Container comes with 126 gummies which will definitely last a while. - Freshness is good. I’ve opened and shut the container several times over the last couple of weeks and the remaining gummies stay soft. - They work to keep me regular, which is nice because I don’t always have to have the powder. CONS: - They make my husband gassy and bloated. He isn’t used to daily fiber, so maybe it’s just going to take some getting used to.
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Reviewed in the United States on May 29, 2026
D
D2 Reviews
Omaha, US
★★★★★ 5
Great flavor, great value!
I was truly impressed with these chewable vitamins! First, they have a delightful flavor, possibly a mix of orange and raspberry, and they taste pleasantly sweet. The texture resembles that of fruit snacks rather than gummies, as they did stick to my teeth slightly, but not for long. You receive a good supply of 42 servings (with 3 chewables per serving). I did find that they contain a bit more sugar than I expected (2g), and I wish they included at least some amount of soluble fiber. However, with 6g of dietary fiber, they complement my usual supplement well. Overall, this is a great value for the money and an impressive supplement.
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Reviewed in the United States on June 3, 2026
C
cera
Los Angeles, US
★★★★★ 5
delicious
I take fiber everyday and these are a great way to increase the amount I am able to get. I have used this brand for years and these are no less wonderful than their other products. They taste great, (not too sweet) and are soft. They are the size of a small marble and are easy to chew and swallow. I have noticed a difference in my digestion since starting them. They can cause some gas so just be aware of that, it is from the increase in fiber not necessarily the gummy. 6 grams of fiber per serving, which is 3 gummies so there is about 42 servings in this bottle. It works out to be about a .65 cents a day, which seems like an okay deal. Gummies do tend to stick together the farther into the bottle you get so keep that in mind, once you open them you should finish the bottle soonish.
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Reviewed in the United States on May 18, 2026

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