When the user has over-saved, postponed experiences for "someday," or is anxious about spending money they've accumulated, apply Bill Perkins's framework: time as scarcer than money, Net Worth Curve peaking 45-60 then declining intentionally, Time Buckets matched to biological capacity, Memory Divid
When the user has over-saved, postponed experiences for "someday," or is anxious about spending money they've accumulated, apply Bill Perkins's framework: time as scarcer than money, Net Worth Curve peaking 45-60 then declining intentionally, Time Buckets matched to biological capacity, Memory Dividends from earlier experience investment, give-while-alive at recipient's peak utility age. The skill
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