In the Media: Ami Doshi Discusses the “Die With Zero” Approach with USA Today
Hightower Signature Wealth’s Ami Doshi, Director of Business Development, was recently featured in a USA Today article examining the “Die With Zero” philosophy and how individuals can evaluate whether the approach fits within their financial plans.
Based on the book by Bill Perkins, the concept encourages people to use their wealth during their lifetime to fund experiences, support family members, and pursue personal priorities rather than focusing solely on accumulating assets. As interest in the idea has increased, Ami emphasized that pursuing such a strategy requires careful planning.
“Die with zero requires a lot of planning,” Ami told USA Today. “Clients we’ve seen with this have very intentional planning behind it.”
In the article, Ami explained that the concept appeals to many people because it challenges the traditional mindset of preserving assets throughout retirement. Instead, it encourages individuals to think about how their resources align with their values, goals, and desired experiences.
Ami also noted that before implementing a strategy focused on spending or gifting assets, it is important to establish a strong financial foundation. Essential expenses, healthcare costs, long-term care considerations, and family priorities should be addressed first.
According to Ami, this approach is most commonly discussed among ultra-high-net-worth individuals who may have greater flexibility to spend and gift assets during their lifetimes while maintaining financial stability.
The article also highlights Ami’s perspective that financial planning often involves more than numbers. Conversations about spending, gifting, and legacy can reflect personal views about money, particularly for couples who may approach these decisions differently. Establishing shared objectives can be an important part of the planning process.
As retirement planning continues to evolve, Ami’s comments underscore the importance of aligning financial decisions with personal priorities while considering long-term needs, tax implications, and legacy goals.
Read Ami’s full comments in USA Today’s article, “Die with Zero” Gains Momentum. How to Turn It Into a Financial Plan, published August 31, 2026
This material is for general information and educational purposes only. Information is based on data gathered from what we believe are reliable sources. It is not guaranteed as to accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions.
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