Die With Zero Regret

You don’t run out of money first—you run out of time. At some point, your net worth should

peak and begin to decline. If it’s still rising late in life, you are working

past the finish line. Calculate your survival number—the amount required to sustain

basic living and healthcare through old age. Anything above that is not savings.

It is unused life. The tragedy of Elias Mercer wasn’t that he died. We all die.

The tragedy was that he postponed living for a future that never arrived. Don’t aim to die

rich. Aim to die complete. Die with zero wasted energy. Die with zero regret.

Die with zero. I’m The Ledger—and I want you wealthy in life, not just on paper.