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Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence Paperback – September 1, 1999

by Joe Dominguez (Author), Vicki Robin (Author)
181 customer reviews
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Editorial Reviews

About the Author

Vicki Robin���is a renowned innovator, writer, and speaker. In addition to coauthoring the bestselling Your Money or Your Life, Robin has been at the forefront of the sustainable living movement. She has received awards from Co-Op America and Sustainable Northwest and was profiled in Utne Magazine���s book Visionaries: People and Ideas to Change Your Life. She lives on Whidbey Island in Washington.

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Product Details

  • Paperback: 400 pages
  • Publisher: Penguin Books (September 1, 1999)
  • Language: English
  • ISBN-10: 0140286780
  • ISBN-13: 978-0140286786
  • Product Dimensions: 5.3 x 0.7 x 7.5 inches
  • Shipping Weight: 10.4 ounces
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (181 customer reviews)
  • Amazon Best Sellers Rank: #110,142 in Books (See Top 100 in Books)

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Customer Reviews

Most Helpful Customer Reviews

708 of 721 people found the following review helpful
I choose my life; great book!
By Manny Hernandez HALL OF FAME on April 6, 2002
Format: Paperback
This book attempts to demonstrate by means of a 9-step process, how you are now making a "dying" as opposed to making a living, and how you can get back on track, and start directing your actions toward a life of fulfillment and financial independence. The 9 steps look like this:
* STEP 1: Look back on your life and add up all the money you have made, and how much do you have with you (in the form of assets of some type) to account for it.
* STEP 2: Since money is something we choose to trade our life energy for (central idea of the book), determine how much money you truly get for doing your job, including the fact that you have to spend money in commuting, clothing, meals at work, etc. and start to keep track of every penny that you earn and spend. Just to illustrate the power of this step, I found myself making 25% (hourly rate) less than I thought I was by doing this exercise, and that takes into account the fact that I live 20 minutes away from my work and I half the time I bring my food from home.
* STEP 3: Tabulate all your expenses into categories, add them up and convert them into hours of life energy.
* STEP 4: Determine to what extent all the expenses you found in your categorization provide you with fulfillment, how they are in alignment with your life's purpose, and how they would change should you not have to work for a living (I start to see some frowning faces now... hold on a bit more!) This chapter brought back memories of reading Stephen Covey and Viktor Frankl, in terms of coming up with your life's mission. A very nice quote by Buckminster Fuller mentioned in it says: "I learned very early and painfully that you have to decide at the outset whether you are trying to make money or make sense -I feel that they are mutually exclusive.Read more ›
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335 of 341 people found the following review helpful
A Revelation
By Mark Wieczorek on November 3, 2002
Format: Paperback
I'm always wary of books stating that they have "9 steps to a different life" and didn't buy this book for years after after I learned of it. I picked it up a couple of months ago when a new boss caused me to look at my job in a different light. If I was fired or wanted to quit, how would I survive? If I wanted to get a lower paying job doing something I enjoyed, could my lifestyle afford it?
With these things weighing on my mind, I purchased this book. Most of the steps I understood, and many of them made sense, but it was the 8th step that "hit me on the side of the head." What a revelation! I needed the previous 7 steps to fully appreciate it. I *can* change my life. This isn't some new-age feel good, think positive mumbo jumbo, but a solid plan for achieving financial independance.
I tell my friends about my plan to retire early, and they say "Oh, that's nice" and "You'll never do it" and "I could never cut back my spending enough to do that." The promise, though, of not having to work for a living is keeping me motivated, and I think of it every time I spend money.
Oddly enough, I recognize some of the principals as being similar to what financial guru types like Robert Kiyosaki and Robert G. Allen recommend - spend less, save more, invest what you save - yet this book, unlike those, provides a proven method for getting there.
Some books I read, such as Get Out of Debt, Stay Out of Debt and Live Prosperously by Gerrold Mundis prepared me for this book, and it agrees with my personal philsophies, even though I tend to spend more money than I should.
The 9th step details how to invest your money, but is now out of date because of changes instituted by the federal government. These issues are dealt with on by Vicki Robbins on a website based on this book.Read more ›
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102 of 106 people found the following review helpful
Good, with Some Caveats
By A Customer on November 5, 1999
Format: Paperback
Your Money or Your Life is excellent for a) highlighting just how excessive our consumption is, b) showing how we could easily manage with much less, and c) making clear the tradeoffs we make for a "good" lifestyle. I also really admire the author(s) for walking their talk.
I do, however, have a few problems with the book. First, I wish they wouldn't advocate shopping at the Walmarts of the world. Second, I don't think most people (especially with kids) can live on the thread-bare shoestring budget the authors do (although I suppose its the spirit of what they say more than the exact numbers they suggest that matters most). Last, I wouldn't take the book's investment advice (which is buy long term government bonds). For a more balanced--or at least an excellent supplement--read The Mindful Money Guide. Its coming from a similar place (i.e. how to manage money so it doesn't manage you--for both a better quality of life and a better world), but The Mindful Money Guide gives the reader more options to choose from. I also found it more fun to read.
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52 of 53 people found the following review helpful
The best book on money that I have ever read.
By A Customer on August 9, 2000
Format: Paperback
This book is timeless. I essentially developed this same plan through trial and error (and lots of soul searching) over the last three years. It was great to see my scattered thoughts and philosphies put down in such a concrete, well-documented manner.
You should read the other reviews below with a bit of skepticism.
1) The investment advice in this book is not dated; it is conservative. Conservative is precisely what you need if you want to sleep well every night and live off of your money. Actually, many folks who are already financially well off follow this advice. The 15 year bull market seems to have turned everyone into an investment guru.
2) Someone way down the review list claims that saving $800 per month will not let you save $300,000 within 30 years. They asked for a hole in their logic, here's one: compound interest. Actually, at 5% and $800/month you will hit $300k in 19 years with virtually no risk. Low risk bonds should return 7% to 8% over this period and get you there in 17 or 16 years respectively. The recent bull market would have accomplished this in 10 years or less. There are a few other minor holes in the logic that would shorten the window another couple of years...
3) You have to have discipline to follow this plan. Otherwise, you will be working for a long time. If you are looking for a get-rich-quick book, look elsewhere. Like all important things in life, this also requires dedication and commitment. I am young, but I will be retiring to part time work in just under 10 years while my co-workers will be on the job an additional 25 years.Read more ›
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Most Recent Customer Reviews

A must for success in the home!

Really good info. Like the way it is spelled out in easy to follow methods. This book could save a lot of marriages.

Published 25 days ago by William Hearn
A true eye-opener!

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a must read.

this book changed my life. foundation for simple living.

Published 6 months ago by Parker
This will be one of the best you can read about $$$$

This will be one of the best you can read about $$$$, I like the edition w/ the two authors, women and Joe, he adds so much.
New edition is w/o him. Read more

Published 9 months ago by Patricia G. Bank
Five Stars

It's like my bible.

Published 9 months ago by kathleen gilbert
But still good advice.

Seemed to be missing pieces from an earlier version I had read years ago. But still good advice.

Published 10 months ago by RJ
Four Stars

good book

Published 11 months ago by cynthia bissette
Four Stars

Delivered on time. Interesting views. We should all get a new paradigm.

Published 11 months ago by Pappy
and recommend it to lots of people - it has a ...

I first read about this in a newspaper article, a few years ago. I have read and reread (reskimmed - let me be honest) this book - I bought this one for my husband, and recommend... Read more

Published 11 months ago by Becky O

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