Die With Zero is not without its detractors. Critics argue that the philosophy privileges those with high incomes who have "surplus" money to optimize. For those living paycheck to paycheck, the luxury of worrying about "memory dividends" is abstract. Furthermore, the book relies heavily on the
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Perkins also tackles the uncomfortable subject of inheritance. In standard financial planning, leaving a large inheritance is seen as a virtue. Perkins reframes this as often selfish. He argues that money is most useful to children when they are in their prime building years (20s and 30s), not when they are established adults in their 60s waiting for their parents to pass away. Die With Zero is not without its detractors
: Perkins argues that if you plan to leave money to heirs, you should do it while they are young enough for it to be life-changing, rather than as an inheritance when they are already middle-aged. Where to Find it Furthermore, the book relies heavily on the Morir