It's a well-known fact that time flows differently in dreams compared to reality, and this servesas the starting point for my hypothesis. In this paper, I extrapolate this idea to the final stages oflife, leading to what I call the Terminal Dream Hypothesis (TDH). According to TDH, whencerebral ischemia begins, it sets off an uncontrolled neurochemical cascade—involving spikes inacetylcholine, dopamine, and possibly DMT. This creates a super-intense state much like REMsleep. At the same time, the neural networks handling our sense of time sequence break downquickly, causing a huge gap between what we feel subjectively and actual time. So, somethingthat lasts just seconds or minutes in the real world feels like an endless, vibrant, ongoing dreamto the person experiencing it, with the limbic system going into overdrive and cutting off outsideinputs. In short, TDH gives a straightforward, materialist take on near-death experiences (likereviewing your life or feeling eternity) without needing any dualism. It comes with testablepredictions, such as spotting gamma oscillations on EEGs of dying patients that mimic REMsleep, or linking survivors' stories to expected neurochemical patterns. This bridges the gapbetween personal experiences and brain science, opening doors for real-world testing in labs andclinics.