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The Seven Stages of Money Maturity: Understanding the Spirit and Value of Money in Your Life [Paperback]

George Kinder
4.5 out of 5 stars  See all reviews (45 customer reviews)

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Book Description

April 11, 2000
Discover a powerful new way to look at your money and your life.

Where do our attitudes about money come from--and how do they influence our lives? How can we approach financial issues with honesty and without fear?

In this groundbreaking book, renowned Buddhist teacher George Kinder, a Harvard-trained certified financial planner, demonstrates how we can literally transform our lives emotionally and financially by achieving "money maturity"--a full understanding of the spiritual and psychological issues surrounding our money lives.

Drawing on ancient Buddhist wisdom and his years of financial practice, Kinder has created a revolutionary program that guides us through the Seven Stages of a revolutionary journey--one designed to help us uncover the roots of our attitudes about money, and attain true peace, freedom, and security in our financial lives. Learn how to:

Understand feelings that impact taking financial action
Develop understanding and knowledge about money
Eliminate stress and anxiety around money
Let go of old patterns and painful habits
Approach money tasks with energy and optimism
Design a money life that is fulfilling both financially and spiritually

Filled with practical information, market-tested, wealth-building skills, personal success stories, and spiritual guidance, The Seven Stages of Money Maturity is an invaluable guide to a rich--and richly lived--life.


1.        Innocence--The childhood state we are born in, devoid of any concept of money
2.        Pain--The discovery that we have more money than some and less than others, and that work is necessary to make a living
3.        Knowledge--The intellectual task of learning financial techniques such as saving, budgeting, and investing
4.        Understanding--The emotional work done in coming to terms with feelings around money, such as greed, envy, and resentment (which are rooted in Pain)
5.        Vigor--The energy (physical, emotional, and spiritual) that must be expended to reach financial goals
6.        Vision--The direction of Vigor outward toward the health and welfare of communities, with or without profit motive
7.        Aloha--The compassionate goodwill that allows one to use money to perform acts of kindness without expecting anything in return

Using THE SEVEN STAGES OF MONEY MATURITY, readers will understand each encounter with money as a step toward awakening; a lesson about the relationship they share with others as well as with the self. -->

Frequently Bought Together

The Seven Stages of Money Maturity: Understanding the Spirit and Value of Money in Your Life + Lighting the Torch: The Kinder Method(TM) of Life Planning + Money and the Meaning of Life
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Editorial Reviews

Amazon.com Review

The Seven Stages of Money Maturity, by financial advisor and Buddhist teacher George Kinder, presents a totally original look at the ins and outs of individual economics. Drawing on timeless spiritual wisdom in addition to modern fiscal doctrine, Kinder deftly combines the philosophical and the practical to help readers broaden their understanding of the overall role that money plays in life from childhood onward--and, more importantly, put themselves on firmer footing with it today.
Most financial advisors and books about money approach finance as if it were simply a skill to learn, the same sort of thing as hitting a fastball or speaking French like a diplomat. Money maturity does include skills, such as understanding investment options and using a budget effectively, but it goes much deeper, to the feelings, the heart, and, yes, the soul.
By following three composite characters throughout the book and examining their experiences through the prisms of his own background and development, Kinder explains how to evolve naturally through these seven specific states (innocence, pain, knowledge, understanding, vigor, vision, and aloha) to achieve both financial and personal security. --Howard Rothman --This text refers to an out of print or unavailable edition of this title.

From Publishers Weekly

Compared to other personal finance books that offer specific financial steps and planning strategies, this book focuses on the search for spiritual meaning in wealth. Kinder, a certified financial planner and former tax accountant, focuses on three composite figures, based on real people, to illustrate the seven psychological stages people go through in their relationship to money: Innocence (not knowing anything), Pain (discovering that we need to work to earn money), Knowledge (of such skills as saving and investing), Understanding (more sophisticated emotional wisdom about greed and inequality), Vigor (energy to reach financial goals), Vision (directing vigor outward, perhaps to a community) and Aloha (altruism without expectation of gain of any kind). Kinder provides useful questionnaires in which he urges readers to reflect on various questions: What are your three earliest memories of money? Why and how did money first enter your relationship with your mother, your father? While readers comfortable with spiritual self-exploration may enjoy Kinders approach, they will still have to turn to more traditional personal finance books for nitty-gritty money advice.
Copyright 1999 Reed Business Information, Inc. --This text refers to an out of print or unavailable edition of this title.

Product Details

  • Paperback: 369 pages
  • Publisher: Dell (April 11, 2000)
  • Language: English
  • ISBN-10: 0440508339
  • ISBN-13: 978-0440508335
  • Product Dimensions: 5.3 x 1.1 x 8 inches
  • Shipping Weight: 9.6 ounces (View shipping rates and policies)
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (45 customer reviews)
  • Amazon Best Sellers Rank: #43,889 in Books (See Top 100 in Books)

More About the Author

George Kinder is known globally as the leading thinker in the financial Life Planning movement, dedicated to deliver freedom with integrity to consumers worldwide. Also known for his photography, poetry and spiritual wisdom, he is described in Professional Adviser's annual review of the "50 Most Influential People" in the world of financial advice:

"George Kinder, Founder of the Kinder Institute of Life Planning, is widely recognized as the pioneer of the life planning model. The creator of an original concept which puts peoples' core life values at the heart of the advice process, he is a true visionary. His institute's training, which focuses on the human aspect of planning, is regarded by advisers as the gold standard. A life sector legend, the Harvard-educated industry veteran has been an adviser and tax planner for over thirty years and has won many industry awards. Kinder is a regular on television and radio as well as a keynote speaker at industry events and conferences and his knowledge and know-how of the life sector is second to none. But Kinder's expertise stretches way beyond the adviser realm - he is also an artist, photographer, poet, spiritual leader and author. "

Kinder's website www.kinderinstitute.com/dir lists nearly 2000 advisors on 6 continents and in 23 countries who have taken his programs. He views his mission as bringing a deserved reputation for integrity back to the financial services sector and making the core ethos within financial services the delivery of a process for freedom to every human being on the planet.

Customer Reviews

This book was definitely an interesting read. Mariusz Skonieczny  |  2 reviewers made a similar statement
Most Helpful Customer Reviews
65 of 68 people found the following review helpful
5.0 out of 5 stars The Psychology of Money April 17, 2006
Format:Paperback|Amazon Verified Purchase
In January 2002 my wife and I hit rock bottom financially. We owed nearly $45,000 in credit card debt alone, another $20,000 in student loans, and another $30,000 or so in car loans, personal loans, etc. We rented a ramshackle house and had no savings or investments whatsoever. And yet I found it impossible to pass up a bookstore without a new book in hand or the latest CD. I had read a number of books about personal finance, but I understood that there was something deeper that I was looking for. Something that would help me to understand the psychology of money, to understand why I made the choices that I made.

Fortunately, I came across an ad for George Kinder's book in Harvard Magazine in 2002. As a Christian I can understand that some might be put off by Kinder's infusion of Buddhist philosophy throughout the book. I studied East Asian studies in college, so I wasn't that bothered by it. In fact, I think Kinder's metaphor of the seven chakras, or energy centers, correlated perfectly with the seven stages of money maturity.

The main problem with most popular approaches to teaching personal finance is that they start at level four or five. But you haven't addressed the fundamental issues of levels one through three. This gap helps explain why the average American household has a negative net worth. We are doping ourselves at the mall with our credit cards!

Four years after reading the Seven Stages we have paid off all of that old debt (no bankruptcy!), own our own home, and are closing in on six figures liquid net worth. Robert Kiyosaki's Rich Dad, Poor Dad helped me to realize that The Matrix had me in its grasp; Kinder helped me see the code.
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31 of 31 people found the following review helpful
5.0 out of 5 stars An Integrative Model for Navigating Personal Finances February 23, 2004
Format:Paperback
My experience of George Kinder's breakthrough book, The Seven Stages of Money Maturity, has been life changing. As a financial planner I was first drawn to reading it out of professional curiosity and to learn something about the emerging "Life Planning" movement within financial services. What I discovered was the most comprehensive understanding about how our relationship with money forms, and what throws us out of balance with money, that I had encountered. As the book progresses through the Seven Stages, what emerges is a clear and specific model that leads one out of confusion, fear, distortion, or insecurity about money and personal resources. The process progresses towards a healthy, vigorous state that supports appropriate choices and strategies that allow one to financially organize the life that is genuine and congruent with whom an individual is, the values that matter, and the activities one wants to be engaged with. There are numerous case histories that illustrate the unfolding stages, including the obstacles that had to be addressed and the layers of change that occurred.

One of the outcomes from the study of the Seven Stages is that I now have a much more expanded vocabulary and conceptual framework for describing and communicating with myself and with clients about subtle issues concerning money. Money and finances are tough subjects for many people to talk about - there are still many taboos in our culture about open and frank discussions of money. As my clients read The Seven Stages of Money Maturity and begin working through some of the basic exercises Kinder has designed, a new capacity for clear and direct conversations emerges. I watch as embarrassment, denial, and anxiety lessen, while enthusiasm, engagement, and exploration increase. Defining one's real goals, implementing new strategies, and tracking the progress over time have increased the sense of empowerment and possibility in my clients, and for me as their advisor.

My recommendation is that anyone who has an interest in having a healthy, functional relationship with their financial and personal resources would benefit from reading this book and going through each exercise honestly and thoughtfully. It will have an impact, and may bring awareness to habits, patterns of thought, and personal beliefs that are no longer helpful or useful in our adult development and growth. In addition, I found The Seven Stages of Money Maturity to be beautifully written and insightful as a text about being human and the challenges of everyday life.

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26 of 26 people found the following review helpful
5.0 out of 5 stars This is the best book on money I have ever read. May 4, 1999
By A Customer
Format:Hardcover
As an investment advisor for the last twelve years serving the needs of clients with assets ranging from $50,000 to $50 million, I have been most struck by the similarities among my clients rather than the differences. The 7 stages have helped me deal with money issues that are shared by all of us. These include: guilt around having too much money, not being able to save money or spend money, worrying too much about money, being too carefree about money, feeling that money corrupts, thinking that earning money must be a struggle. This book relates stories and practical techniques that have helped me and my clients become more at ease around these money issues. As I and my clients have worked through these money obstacles, our business, work, and family lives have improved, and our self-esteem has increased. Money is the most difficult issue to address--more so than sex. This book provides the tools and the inspiration to help all of us delve into the issue that brings up so much emotion. We spend so much time on money (making it, worrying about it, spending it), and so little time using it for personal growth and transformation. We marry without having the necessary money communication skills to deal with our spouse--yet money is the number one cause of divorce. We all need to get more comfortable talking about money, discovering what we value and why, and shedding old or disabling beliefs about money.

This is the perfect book for anyone who earns money, spends money, or thinks he or she would be happier with more money.

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Most Recent Customer Reviews
5.0 out of 5 stars Wonderful Book!
I enjoyed George Kinder's book so much that I started a book club around it and recommend it, even in these very difficult times.
~ Kaolin
Published 21 months ago by K. Kaolin
2.0 out of 5 stars Very, Very Tough Read
A little background on me since it affects my review. I have read over 200 books on investing. I purchased this book because Kinder is famous in financial planning circles for his... Read more
Published on July 4, 2010 by Dale C. Maley
5.0 out of 5 stars What is your relation to money?
I have read many books on the subject of money, but this one is different. The author talks about our relationship with money. Read more
Published on August 14, 2009 by Mariusz Skonieczny
5.0 out of 5 stars provocative, novel
This is strange. I rate this 5 stars despite the fact that I disagree with a great deal of what the author says and that he cloaks some of his good ideas in a new-age nonsense... Read more
Published on May 27, 2008 by Justin L. Kaplan
5.0 out of 5 stars Wonderful Book!!
I found this book to be moving, englightening and wonderful! The Seven Stage approach has deep roots in the humanities and spirituality. Read more
Published on May 7, 2008 by M. Valente
5.0 out of 5 stars Seven Stages of Money Maturity
This book is perfect for anyone who needs a little grounding and inquiry around money.
Published on December 23, 2007 by Shelby Leigh
5.0 out of 5 stars Money and your mind/body connection
I do like the approach of money as a journey rather than the books that ask you to look for your money personality and seek to put you in a category. Read more
Published on May 14, 2007 by Mary G. Gresham
5.0 out of 5 stars A Wonderful Guide to Understanding How We Can Improve Our Lives
Kinder offers some real insight and wisdom here, as he gently guides us into a deeper understanding of our relationship with money--and how past experiences shape our views and may... Read more
Published on July 22, 2006 by Daniel H. Boyce
4.0 out of 5 stars Explores your values when it comes to making financial decisions
There are some great basic finance books out there, the ones that tell you what percentage of your income to save for retirement, how much to invest and so forth. Read more
Published on March 15, 2006 by K. Corn
5.0 out of 5 stars Money as a tool not an objective
Accumulation of monetary wealth is not the most important thing in life, we all know that but this book helps us put in into practice. Read more
Published on January 4, 2006 by R. J. Reid
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