Memento FIRE

Financial independence for people who want more life, not just more net worth.

Life Choices

The philosophy underneath the math.


Money is the easy part. The hard part is the question the money is meant to answer.

If you accept — really accept — that your time is finite, that the body is in slow free-fall, that the last decade of “more years” is usually the worst decade of all — your spreadsheets change shape. So does your calendar. So does the way you spend Tuesday morning.

This section is the philosophy. Stoic, Epicurean, Buddhist, secular, ancient, modern — whatever helps.

What you’ll find here

The Morality of Existence

  • Why “more years” and “more life” are not the same metric
  • Die With Zero: the Perkins thesis, fairly steelmanned
  • Stoic praemeditatio malorum — premeditating your end as a daily practice
  • The Epicurean argument that death is “nothing to us,” and where it falls short
  • Bernard Williams on immortality: why you’d hate it after a century
  • The medieval ars moriendi — what we lost when dying stopped being a craft
  • Bioethics of advance directives, MAID, and the legal scaffolding that exists now

Bucket List Planning

  • The bucket-list problem: most lists are someone else’s
  • A method for separating novelty cravings from deep wants
  • The energy budget: what your 50s can do that your 70s can’t
  • Building a “minimum viable life,” not a maximalist one
  • The single best filtering question: what would I regret not doing?
  • Avoiding the trap of treating retirement as one long vacation

A reading list to start

  • Bronnie Ware — The Top Five Regrets of the Dying
  • Bill Perkins — Die With Zero
  • Seneca — On the Shortness of Life
  • Atul Gawande — Being Mortal
  • Derek Parfit — Reasons and Persons (parts 2–3)
  • Marcus Aurelius — Meditations (book 4 especially)

A fuller list lives in Resources.


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