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Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE Paperback – October 1, 1993

4.5 out of 5 stars 66 customer reviews

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Editorial Reviews

Amazon.com Review

There's a big difference between "making a living" and making a life. Do you spend more than you earn? Does making a living feel more like making a dying? Do you dislike your job but can't afford to leave it? Is money fragmenting your time, your relationships with family and friends? If so, Your Money or Your Life is for you.

From this inspiring book, learn how to

  • get out of debt and develop savings
  • reorder material priorities and live well for less
  • resolve inner conflicts between values and lifestyles
  • convert problems into opportunities to learn new skills
  • attain a wholeness of livelihood and lifestyle
  • save the planet while saving money
  • and much more

From Publishers Weekly

Based on their West Coast self-help seminars, the authors map a route to financial security through a prudent and environmentally friendly way of life. Author tour.
Copyright 1993 Reed Business Information, Inc.

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Product Details

  • Paperback: 384 pages
  • Publisher: Penguin Books; Reprint edition (October 1, 1993)
  • Language: English
  • ISBN-10: 0140167153
  • ISBN-13: 978-0140167153
  • Product Dimensions: 7 x 1 x 5 inches
  • Shipping Weight: 9.6 ounces
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (66 customer reviews)
  • Amazon Best Sellers Rank: #367,144 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

Format: Paperback
The first few chapters of this book are great: they offer a fresh perspective on why we work so hard to make money but are never satisfied, and the authors' advice about balancing your expenses against your expenditure of life energy is excellent.
However, I have several problems with the "program" the authors recommend. (1) It's far too easy for frugality to become an end in itself. I know ex-Yuppies who are now as obsessive and self-righteous about penny-pinching as they used to be about owning the latest and greatest espresso machine, and I frankly don't see that as an improvement. (2) The program requires minute attention to detail, and not everyone is capable of this. That doesn't mean (as the authors imply) that they "don't care" about managing their money or achieving financial independence -- but there ARE other ways of achieving these goals besides the authors' "one size fits all" program. (3) As other critics have pointed out, the authors' recommendations on how to invest your money are rather dubious: it's much safer, and potentially more profitable, to diversify. (4) The authors seem to set up a false dichotomy between "your job" and "what you want to do with your life," and imply that you have to get out of the work world to achieve the latter. I don't think the two are necessarily incompatible -- some of us actually like our jobs, and would just like to change our hours or work in a less stressful atmosphere. I think, too, that if there's something wrong with the world of work, it's better to stay in it and try to IMPROVE it than to drop out. (Relevant reading here: Matthew Fox's "The Reinvention of Work," Marsha Sinetar's books.)
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Format: Paperback
When I read this book I was near the point of desperation (negative net worth and getting worse by the month). Five years later I am debt-free and have saved about 60% of what I will need to retire early.
Have you ever felt that you could really contribute something great to the world if you only had the time to do it, without worrying about earning a living? Or maybe you'd just like to finally learn to play a musical instrument and play in a band. Or volunteer for a great cause. Or be a full-time parent to your children. Or travel. Or work part-time, or at a fulfilling, rewarding job, even though it doesn't pay much. Or just finally be able to throw that dreaded alarm clock in the trash. This book can help make it happen.
The real question is, are your dreams important enough to motivate you to make some changes in your life? If you're happy with your situation and feel you have enough free time and money, then maybe this isn't the book for you. If you're closer to where I was (in debt, feeling trapped in my job and tied to a paycheck) then maybe there's some useful information for you here. Here's what I've done since reading it:
- Got out of debt - Started saving 50% of my income - Sold my house, moved to a houseboat ($1200/mo. less, MUCH more enjoyable living situation) - Doubled my salary - Sold most of my belongings, except the ones I truly enjoyed. - Took up hobbies that had always interested me, but that I'd made no time for (kayaking, cycling, hang gliding)
My goal is early retirement, so I can travel, write, play, or whatever else catches my attention. But early retirement isn't the only reason to read this book. The ideas presented here can make your life easier, more meaningful and more enjoyable.
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By A Customer on December 9, 1998
Format: Paperback
This book makes you think about your spending and working habits in a different way and is among the most thought-provoking books I have come across this year.
As others have noted, there are weaknesses in trying to follow slavishly the "program" outlined in the book, including: (i) the authors' insistence that the program be followed exactly; (ii) the supposition that inflation can be neutralized through careful spending; (iii) the precise tracking and charting of expenses and income required; and (iv) and the authors' investment advice to use only US Tresuries, regardless of the length of your remaining life.
On balance, however, the book is quite adept at getting you to think about your relationship with money and possessions. What also is refreshing is the authors' noting that each person defines what is "enough" for them. There is no insistence that a particular lifestyle is preferred, and relatively little of the "earth worship" that can sometimes invade other voluntary simplicity/simple living books.
I highly recommend that you at least check this book out at the library - after I read and re-read it, I ended up buying a copy for my permanent collection, even though I am not following the "program" spelled out in the book. It has enough interesting ideas even for those who aren't looking for a complete "unified field theory" for managing their lives.
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By A Customer on December 23, 1997
Format: Paperback
I found this book to be a nice departure from the usual "get rich quick" books. Dominguez and Robin give an alternative to the 9 to 5 "making a dying" lifestyle of most Americans. Their book makes us examine why we want money and material objects while showing how these pursuits lead to depletion of the word's resources and our own depletion of money. I read the book once and put it on the self only to rediscover it and ask myself why I had done so. It is full of excellent advice for reducing the cost of living and investing money(treasury bills). Some of the advice may not be practical, such as keeping track of every single penny that you spend for a month. Of course anything worth while isn't easy. I've attempted to follow the ideas in "Your Money or Your Life" and it isn't easy but if people make a true effort it is worth while.
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