But a new cohort looking ahead to retirement are throwing away that rule book and adopting a new strategy. Francesca and Andy live in a flat they own in Shoreditch, East London (Photo: Joe Gatt Photography)The book that coined the termThe idea of spending everything before you die comes from a bestseller. Clients who genuinely plan to spend everything, Cunningham says, tend to be people with reason to expect a shorter life. Ciara Octigan, chartered financial planner at Succession Wealth, says the die with zero mindset is increasingly common. Consider spending more during your best years: Health, not money, tends to be the main constraint on enjoying a retirement, so it’s worth considering spending more in the first decade of retirement than the last.