Die-With-Zero curve

Die-With-Zero curve — Bill Perkins’s target trajectory: net worth deliberately peaks in late-middle age and declines by design thereafter, converting wealth back into experiences, giving, and family while health and time can still spend it. The counter-shape to the default (net worth peaking at death, experiences forgone, heirs inheriting at actuarial age ~60 when it changes little). Not an argument against accumulation — Levels 0–4 stand — but the endgame that gives the accumulation a destination other than the number itself.

First used in: 5.8 · Your composite path