We examine a common phenomenon among retirees who've spent decades meticulously building their nest eggs. Rather than shifting to a mindset of strategic "decumulation" in retirement, many find themselves holding onto their wealth, often to a fault or until it's too late to truly enjoy it. Taking insights from Bill Perkins' book "Die With Zero," Ben challenges this conventional thinking and presents a compelling case for why leaving substantial wealth behind might not be the legacy you should strive for.