我的评价/备注：
作者试图两头占便宜，一方面用耸动的标题吸引阅读，一方面在内容中曲解标题安抚读者：你看你在做的已经接近 Die with Zero 状态了，只要把遗嘱提前执行就行了。
书籍名称：《Die with Zero》
基础信息：Bill Perkins / Mariner Books / 2020-7 / Hardcover
豆瓣评分：8.0/10
豆瓣链接：https://book.douban.com/subject/35659403/
读完时间：2026-02-08 12:48:41
我的评分：3.0/5.0（★★★☆☆）
我的标签：微信读书,#2026,自动笔记
免责声明：本页面所发布的笔记仅用于分享我在阅读过程中的摘录、总结和反思。内容大多为书中原文或书中观点的简要提炼，并不代表我个人的立场、意见或价值观。书中观点仅供参考，如需深入了解或采纳，请参考书籍的原始内容。
阅读笔记：
《Die with Zero》
Bill Perkins
2个笔记
Why Die with Zero?
◆ When I say the words “die with zero,” most people’s immediate reaction is fear, quickly followed by the thought that dying with money left isn’t a total waste, because that money will go to your heirs, or maybe to charity. The most common expression of this belief is “What about the kids?”
当我提到“带着零财富离世”时，大多数人的第一反应是恐惧。随后他们会想到，带着剩余的钱离开并非完全毫无意义，因为那些钱会留给继承人，或者用于慈善事业。这种观念最常见的表达就是：“孩子们怎么办？”
The kids question comes up so often, and there is so much to say about it, that it deserves its own chapter—and indeed it gets one, along with my thoughts on charitable giving. But for now, let me just touch on my answer to the kids question.
“孩子们的问题”被频繁提及，相关内容也非常丰富，因此值得专门用一章来讨论——事实上也确实如此，这一章中我还阐述了自己对慈善捐款的看法。不过现在，我先简单回答一下关于孩子们的问题。
First of all, yes, you can certainly leave money to the people and causes you care about—but the truth is that those people and causes would be better off getting your wealth sooner rather than later. Why wait until after you die?
先，没错，你完全可以把钱留给你关心的人和事业——但事实是，这些人及事业越早得到你的财富反而越好。为什么要等到你去世之后呢？
What About the Kids?
◆ When it comes to giving money to your kids, the optimal time, as I suggested earlier in the chapter, is when they’re between 26 and 35—not too late to make a big impact and not so soon that they might squander the money. But what about giving money to charity? With charity, there’s no such thing as too soon. The sooner you give money to medical research, for example, the sooner that money can help combat disease—as we can see from the research into returns on investments in medical research. Every day, a new technological advancement happens that improves lives, and over time these advances make a huge difference. But you can’t just wait for these things to happen—you have to give what you can based on the resources you have today and the resources you expect to have in the future.
在给子女留钱的问题上，正如我在前面提到的，最佳时间是他们 26 岁到 35 岁之间——既不会太晚而无法产生重大影响，也不会太早以至于他们可能会挥霍掉这笔钱。但是，把钱捐给慈善机构又如何呢？在慈善方面，不存在捐得太早的问题。例如，你越早把钱捐给医学研究，这些钱就能越早地帮助抗击疾病——正如我们从对医学研究投资回报的研究中可以看到的那样。每天都有新的技术进步，这些技术进步可以改善人们的生活，随着时间的推移，这些进步将产生巨大的影响。但是，你不能只是等待这些事情的发生——你必须根据你今天拥有和未来预期拥有的资源，尽你所能地捐助。
— 来自微信读书
作者试图两头占便宜，一方面用耸动的标题吸引阅读，一方面在内容中曲解标题安抚读者：你看你在做的已经接近 Die with Zero 状态了，你只要把遗嘱提前执行就行了。
