Worried about retirement? Consider a die with zero plan

My grandmother never realized she was practicing a die with zero philosophy.  She liked to give generous presents to her children and grandchildren on birthdays, gift-giving occasions—and whenever the mood struck her. I once asked her why she kept her loved ones so well-supplied in gifts, and she remarked, “Why should you be glad I’m dead?”

In other words, she didn’t see the point in holding onto the money that would come to her family anyway when she died. By spending her money on us while she was still alive...