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

4.2 out of 5 stars 193 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; 8.2.1999 edition (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: 4.2 out of 5 stars  See all reviews (193 customer reviews)
  • Amazon Best Sellers Rank: #149,089 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

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.
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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.
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2 Comments 335 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
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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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Format: Paperback
And that is the effect it has had on my atheist mind! I purchased this book 5 years ago. I read it and never actually followed the steps. Just now I am doing all the steps, and it has changed my life! Some may say there is too much work involved, I say maybe at first, but it is well worth it. I track every penny without even a second thought, and it takes no time at all with a computer. I even read a review that said "the invesment strategy is a little conservative, you could make more money in mutual funds and stocks". That review was written in 1998. I wonder if that guy has changed his tune, Ha! If you are looking for a 'get a lot of money!' book, then look elsewhere. The bottom line is, if you do the steps 100% percent, (not 50%, not 90%) you are bound to live a lifestyle that not only gives you more FREE TIME! but it will be at your choosing. There is no budget plan, no turning your underwear inside out to save on laundry soap, etc. How you save, where you save, and how much you save are truly your choice, and that is why this book is great. Whether you make 500k/yr, or 25k, I garauntee if you do the steps, it will change your life for the better.
I am willing to bet that all the negative reviewers did not do the steps 100%.
I have been doing the steps for 6 months now and I have cut my monthly expeditures by $1500 a month (sold my BMW, cancelled cellphone, havent bought 1 item of clothing, stopped trying to 'keep up with the Joneses', etc), and paid off $13,000 in credit card debt (cut them all up)! not because the book told me to do this, it is because after I read this book I WANTED to do this. My life is worth more to me then slaving at work trying to pay/insure/worry about all this stuff.
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