Design Your Life

• Actively design experiences you want to have
• Focus on memory creation over perfection
• Decide how often to experience key life moments
• Include a mix of experiences (large, small, free, costly, charitable, hedonistic) 
• Treat time as the most limited resource
• Let values define what a rich life means

Start Now

• Early is now, there is no perfect time
• Waiting has hidden costs like health, energy, people, and access
• What can you do today, this month, this year?
• Consider the risks of delay
• Early action creates memory dividends over time

Why Not Die With Zero?

• Explore resistance to spending now
• Fear of running out of money drives over-saving
• Guilt about “wasting” limits present enjoyment
• Belief that enjoyment must be earned or delayed
• Over-prioritizing future self can harm present life

Plan Your Giving

• Discuss giving plans with spouse and financial planner
• Decide timing and amounts for children based on maturity and life stage
• Align financial support with teaching, not enabling
• If wealth will go to others eventually, consider giving earlier
• Plan giving based on impact, not just intention
• Witness the impact of your contributions while alive
• Create shared memories through giving now

Take Risks While You Can

• Risk changes with age
• Younger years allow more recovery, learning, and pivoting
• Older years make missed opportunities more costly
• Examine whether fear is protective or limiting
• Rational fears are based on real consequences
• Irrational fears come from comfort, doubt, or conditioning
• Decide intentionally instead of defaulting
• Inaction is also a form of choice