The meaning of this quote is in some way similar to „only after you lose everything, you are free to become anything“  - most of the quotes from Fight Club have a similar message – but yet again, each of them is unique in some way, telling you a philosophy.

 All of us have their own problems – but some people never actually felt true pain, some didn’t realize how life can be hard – some of them never had a „near death experience“ – as Tyler Durden says. I’ve almost died – you have probably almost died yourself, but you aren’t aware of it – or you are. Imagine a car nearly hits you – it missess you by less the an inch – suddenly adrenalin starts pumping through your blood, you feel the heet and the speed going through your entire body – and then... then you realize that just a moment ago you could have died – no more sunshine, no more – nothing. I don’t believe there is a life after this – why the hell would you live your entire life without taking risks, without trying and fighting for your success? Everything you have in your life – you have now. Not yesterday, not tomorrow – but now.

 Would you live your life differently if you knew you’re going to die tomorrow?

 ... of course you would. You would have no fear – you could say anything you want... you would be free. And that’s why this quote among many others from Fight Club is very important for you – to get you to wake up – to understand that you have one life, one chance to succeed and live to the fullest... and you will never understand that until someone close to you dies – suddenly. I hope that will never happen to you.

 ... but it will. And once it does, everything will be different – at least for a while. After a while, most people go back to their regular, boring life – full of shit – doing stuff they hate just to survive and spend their time on things they hate. Don’t be one of them.