Most people spend their lives accumulating wealth for a future they might never see, effectively sacrificing their best years for unused tokens. Dr. Elena Santos explores how the 'Die With Zero' philosophy challenges us to optimize for net fulfillment rather than net worth, ensuring we don't reach the end of the road with a full bank account and a soul full of regrets. Learn why 'monk mode' might be a trap and how to start collecting memory dividends before your health declines.