Dying with money unused means wasting your life energy. Bill Perkins, who generated $2.2 billion in trading profits, reframes wealth as a tool for experiences, not a goal. He introduces memory dividends—the compounding joy from recalling experiences—and the Tetris principle: get life's pieces in the right order before your body decays and windows close. Money is a tool to build experiences, not the goal itself; every dollar held at death represents life energy spent earning but never converted into fulfillment.