So back in episode 91, which I think might have been the most popular episode of all time, I sat down with Bill Perkins, who wrote a book called Die With Zero. And the general principle of the book is that you should focus on net fulfillment over net worth, meaning how do you get the most out of life, not how do you accumulate the most amount of money.

And one of the most important things to think about is if you live your life in various seasons, there are seasons where it might make more sense to spend and do things than it does to save. And if you look at the data, many people in retirement don't spend nearly as much as they thought, often because they saved all these adventures and travels and ideas for retirement.

But it turns out that some of those things we just can't physically do when we're older. So if you have a dream to go hike Mount Kilimanjaro, waiting till you're 75 and retired might be the worst time to