Putting Die With Zero Into Practice with Brad Barrett

Putting Die With Zero Into Practice with Brad Barrett

Author: Chris Hutchins July 15, 2026 Duration: 1:13:32
#287: Chris and Brad Barrett revisit "Die With Zero" and confront how much harder Bill Perkins' ideas are to live than to agree with. They dig into when frugality flips from superpower to liability, the maximizer's struggle to let go, optimizing for the perfect Tuesday over the once-a-year trip, and giving money to your kids while it still matters. Brad is the co-host of the ChooseFI podcast and co-author of Choose FI: Your Blueprint to Financial Independence. Link to Full Show Notes: https://chrishutchins.com/die-with-zero-revisited-brad-barrett/. Partner Deals Gelt: ⁠Skip the waitlist on personalized tax guidance to maximize your wealth Fabric: ⁠Affordable term life insurance for you and your family Thrive Market: ⁠30% off your first order of organic groceries + a free $60 gift Bilt Rewards: ⁠Earn the most valuable points when you pay rent MasterClass: ⁠Learn from the world's best with 15% off For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Brad Barrett: Website | X Book: Choose FI: Your Blueprint to Financial Independence Podcast: The ChooseFI Podcast Newsletter: The ChooseFI Newsletter The Tuesday Project Books & Articles Die With Zero: Getting All You Can from Your Money and Your Life The Tail End by Tim Urban The Skill of Spending | Mr. Money Mustache Tools The Big Ass Calendar Copilot Money ATH Podcast Ep #68: Hosting Cocktail Parties, Building Relationships, Museum Strategies and Friends Newsletters with Nick Gray Ep #189: Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske Ep #282: Saving Money and Optimizing is My Kryptonite Ep #285: Why Net Fulfillment Beats Net Worth with Bill Perkins Best Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (02:14) Revisiting "Die With Zero" Four Years Later (06:50) Is Intentional Frugality a Superpower? (08:48) Where Chris Still Struggles to Spend (15:04) The Psychology of Spending (19:53) Maximizer vs. Satisficer: What Are You Optimizing For? (23:35) Matching Your Effort to the Season of Life You're In (25:04) How to Let Go When You Want to Do Everything (31:50) Optimizing for Lasting Happiness (37:23) Don't Run Away From What Lights You Up (38:43) What Are You Actually Chasing More Money For? (44:01) What Are You Really Saving For? (45:46) Giving Money to Kids (and Causes) While It Still Matters (50:40) Hedging Retirement Risk by Moving, Not Working Longer (53:00) Fear Wasting Your Life More Than Running Out of Money (57:52) Chris's Vision for a Family Summer Camp (01:02:36) Building a Time-Bucket List of One-Off Dreams (01:03:44) The Case for Doing "Nothing" on a Trip (01:04:23) Chris's Three Main Takeaways (01:06:23) Lowering the Barrier to Real-Life Connection (01:09:55) Defining Net Fulfillment For Yourself Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠ Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like there's a smarter, more efficient way to navigate your finances, your travels, and your daily routines? That's the core question driving All the Hacks: Money, Points & Life. Hosted by Chris Hutchins, this podcast is built on a simple, powerful idea: maximizing value doesn't mean sacrificing enjoyment. Instead, it's about the strategic choices that free up resources-both money and time-for what truly matters. Chris approaches life as a series of systems to be optimized, drawing from his own experience saving millions through meticulous analysis. The conversations here are practical and wide-ranging, moving seamlessly from credit card points strategies and investment philosophies to the less tangible hacks for personal fulfillment. You'll hear from a diverse roster of experts and icons, including Tim Ferriss, Tony Hawk, Codie Sanchez, and Gary Vaynerchuk, who all bring their unique perspectives on building wealth and designing a compelling life. Each episode feels like a focused workshop, offering actionable advice you can use immediately, whether it's planning a luxury vacation for a fraction of the cost or rethinking your approach to career and leisure. This isn't just about frugality; it's about unlocking freedom and excitement through smarter decisions. Tune in for a consistently insightful blend of tactical moves and deeper conversations that challenge the conventional trade-offs between spending, saving, and living well.
Author: Language: English Episodes: 50

All the Hacks: Money, Points & Life
Podcast Episodes
Do You Actually Need Travel Insurance? [not-audio_url] [/not-audio_url]

Duration: 1:10:53
#283: Learn exactly when you might need travel insurance and when your credit cards already have you covered. Chris breaks down what travel insurance covers, how those benefits compare to the coverage built into popular…
Saving Money and Optimizing is My Kryptonite [not-audio_url] [/not-audio_url]

Duration: 53:19
#282: When does optimization stop helping and start hurting? Chris shares how a string of seemingly smart decisions had him pouring hours into marginal gains that never materialized. He unpacks the hidden cost of optimiz…
The Hidden Rules of Credit Card Approvals [not-audio_url] [/not-audio_url]

Duration: 50:57
#280: Learn how to dramatically improve your odds of getting approved for the credit cards you actually want. Chris breaks down the hidden system every bank uses to evaluate applications, why your credit score matters fa…
How Long-Term Investors Actually Think About Risk with Ben Carlson [not-audio_url] [/not-audio_url]

Duration: 1:01:04
#279: Learn to handle market volatility and build long-term wealth in a world dominated by AI disruption, market fear, inflation concerns, and nonstop financial noise. Chris and Ben discuss why investing remains psycholo…
Saving $30K+ on the Perfect Spring Break Japan Trip with Amy Fox [not-audio_url] [/not-audio_url]

Duration: 1:09:43
#276: Learn how Chris and Amy booked four nonstop business class seats and a week at the Park Hyatt Tokyo almost entirely on points. They break down the strategy, key takeaways for traveling with kids, Chris' AI-powered…
The Custom Everything Era with Kevin Rose [not-audio_url] [/not-audio_url]

Duration: 1:07:14
#275: Chris and Kevin dig into how they're actually using AI tools in their daily lives right now. They explore real-world AI use cases, the tradeoffs of sharing personal data, the collapse of trust online, and what all…
The Surprising History of Points and Miles [not-audio_url] [/not-audio_url]

Duration: 46:10
#274: Chris walks through the complete history of points and miles and breaks down the $140 billion machine behind them, so you can get more out of every point you earn. He covers the legal accidents that made credit car…