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Vicki Robin

Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 Paperback – December 10, 2008

by Vicki Robin (Author), Joe Dominguez (Author), Mr. Money Mustache (Author)

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A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold

“The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It

"This is a wonderful book. It can really change your life." -Oprah

For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.

Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to:

• Get out of debt and develop savings
• Save money through mindfulness and good habits, rather than strict budgeting
• Declutter your life and live well for less
• Invest your savings and begin creating wealth
• Save the planet while saving money
• …and so much more!

"The seminal guide to the new morality of personal money management." -Los Angeles Times

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From the Publisher

Your Money or Your Life

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Review

"The best book on money period." -Grant Sabatier, founder of "Millennial Money," on CNBC Make It

"This is a wonderful book. It can really change your life." -Oprah

"The seminal guide to the new morality of personal money management." -Los Angeles Times

"Vicki Robin wrote the book on retiring happy. Now a whole new generation is taking her advice. [She is] the millenial money whisperer." -Money Magazine

"Your Money or Your Life is a wise book...I am thankful to Joe Dominguez and Vicki Robin for getting so much of this started, as are countless thousands of other people who are now more free than they could have otherwise been." -Mr. Money Moustache

"Now as never before, it's time to stop trying to 'get ahead' in a race that both fixed and futile, and figure out how to organize your life so that it can be your life. Your one precious life, lived for yourself and for your community and for your planet. Your Money or Your Life shows you how to make the shift." -Bill McKibben

"If you want to invest in your financial future and (more importantly) your long-term happiness, I can’t think of a better investment than Your Money or Your Life.” —Brandon Ganch, "Mad Fientist"

“Vicki Robin’s Your Money or Your Life offers readers the gift of meaningful, applicable advice so that they can achieve true financial independence on their terms. It is deservedly one of the most acclaimed and referenced financial advice books of our time and will undoubtedly continue that legacy for generations.” — Farnoosh Torabi, bestselling financial author and host of the award-winning podcast So Money

"[Your Money or Your Life] changed my life...I started believing that my life controlled my money. I began to see my life without the weight of debt and the need to chase a paycheck because I actually understood the path to get there." -Trent Hamm, "The Simple Dollar"

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 is also the author of Blessing the Hands That Feed Us: What Eating Closer to Home Can Teach Us About Food, Community and Our Place on Earth. She lives on Whidbey Island in Washington.

Joe Dominguez (1938-1997) was a successful financial analyst on Wall Street before retiring at the age of thirty-one by following the nine-step program he formulated for himself. He taught this formula for many years, and preserved it for future generations in Your Money or Your Life. From 1969 on, he was a full-time volunteer and donated all proceeds from his teaching to transformational projects.

Peter Adeney, better known as Mr. Money Mustache, is an influential financial blogger who retired financially independent shortly after turning thirty, and now writes about how to live a frugal life of leisure.

Product details

Paperback: 368 pages
Publisher: Penguin Books; Revised edition (December 10, 2008)
Language: English
ISBN-10: 9780143115762
ISBN-13: 978-0143115762
ASIN: 0143115766
Product Dimensions: 0.8 x 5 x 7.6 inches
Shipping Weight: 9.1 ounces (View shipping rates and policies)
Customer Reviews: 866 customer ratings
Amazon Best Sellers Rank: #5,093 in Books (See Top 100 in Books)
- #29 in Budgeting & Money Management (Books)
- #229 in Success Self-Help

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3 star		7%
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NC Mountain Man

Useful Information

Reviewed in the United States on December 4, 2016

Verified Purchase

I found this book worthwhile, but not what I would call 'the perfect solution". I am over 70 and have spent my life living frugally, continually saving and investing for the future and retirement. I have been quite successful at growing net worth, while living comfortably. I truly believe a key component is learning who you are and understanding how you are best suited to reach your goals. I personally think this book is too caught up in looking at every penny. I think each penny is important, but have focused on being sure there is constant savings. I don't expect my approach to work for everyone, but I want to emphasize that there can be many paths to reach the same goals. I suggest reading a wide variety of approaches that focus on saving and investing for the long haul. I have made small changes along the way when trying new things. In the end I have found that success came with simplicity. Look for the big picture in the book and any other. Growing wealth is like growing a big tree, strong trees grow big over a long time.

601 people found this helpful

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Mike Beaubien

Inspiring book, terrible investment advice

Reviewed in the United States on May 2, 2018

Verified Purchase

The first 8 chapters of the book are great, chapter 9 should just be deleted. The original book recommended putting 100% in Treasuries. Since that is clearly a terrible idea now, the book grudgingly recommends index funds.

The thing that drives me nuts is the book says that it took 25 years for the stock market to recover from the Great Depression. This is a lie, when you account for dividends and deflation it took 4.5 years to recover if you put a lump sum in at the absolute peak.

If you’re going to try and scare people at least be honest. Also if you’re going to pretend that 100% treasuries was a great idea in the 80s at least mention that a 60/40 stock bond blend would have blown it out of the water.

182 people found this helpful

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Amazon Customer

last two chapters most useful and can be read in a bookstore

Reviewed in the United States on January 9, 2017

Verified Purchase

Basic principles of this book are decent, however, the principles are not gold and it could be summed up well in 50 pages or less...not the redundant, ranting 300 page book it is.
First 80 pages of the book are worthless and torture mostly focusing on the consumerism/doomed/horrible smog-infested society we live in, last two chapters most useful and can be read in a bookstore.
I did not like many examples given; it seemed to focus on divorce excessively with ~ 80% of case report examples of "FI-ers" being divorced which I found rather odd and unnecessary to mention.
Take home points of this book: Spend less than you earn, save, document every penny you spend, become a minimalist and only purchase things you need, the less you need the more fulfilled you will be, the less you will work, etc.
Things to consider:
1) The "FIer" lifestyle is not for everyone- I equate an "FIer" to the tiny home movement in principle.
2) Book recommends that bonds should be the mainstay and the only thing in your portfolio. I strongly would discourage this. "Safe" bonds which I pretty much consider anything that that is not a junk bond or preferred stock bond, are not hitting the high yields that Joe Dominguez saw in his day and on many years aren't comparing to rises in inflation. While you can never predict the stock market, when looking at time tables- it always goes up. Traditionally, stock markets rise while bond yields go down some and visa versa. The best way for security and safety is proper allocation to each of these modalities: bonds (treasury bonds are great as mentioned in the book because you aren't charged state taxes, however, what the book fails to remind you of is that federal taxes are still fair game) and diversified stock portfolio most safely done by investing in mutual index funds with low fees (e.g. Vanguard). The older you are, for safety, the more bonds you should have in case the stock market plummets during your retirement years. For conservatives a 60% mutual funds and 40% bonds is recommended. For a retirement person, 20% stocks and 80% bonds should be considered. When you have all your eggs in one basket, you lose that safety net.
3) Other things I disagree with in this book- everyone should have health insurance, you should not forgo this to "save" money; sure buy the less comprehensive plan if you are healthy and pay less and have a higher deductible but you are gambling when you forgo it all together.
4) They also suggest in this book "rolling-over" your 401k and 403b accounts to bonds; however, these are pre-taxed dollars and you will likely get slammed- most retirement plans now give options to the "risk" or rather stock/bond ratio you desire. I would more likely suggest rolling money to Roth IRAs (post-tax and therefore tax free with capital gains) or just leave your nest egg to compound growth where they are at.
Now I am ranting. Cheers.

730 people found this helpful

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Gregory Alerte

Easy to digest and fun to read.

Reviewed in the United States on July 4, 2018

Verified Purchase

As a Certified Financial Planner professional with over ten years of experience helping clients with retirement planning, I'm sincerely impressed by this book, and have to say that this is a powerful resource for anyone that is seriously interested in becoming Financially Independent (FI). My only feedback is that the book, doesn't emphasize enough, how difficult it is, when you have a spouse or life partner, to change deeply rooted financial money scripts and behaviors. That said, if you (and your life partner) are dedicated to Financial Independence, then this read, is in my professional opinion, a very worthy investment of "life energy" in deed. Good luck on your financial life journey, and may there be many blessings to you and yours! :-)

61 people found this helpful

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Brian

Reviewed in the United States on August 19, 2018

Verified Purchase

The content is good, but it is written as if someone just dictated a seminar that lasted a week. It is full of "take Mary for example, she did blah blah blah and blah blah happened" followed by 3 more examples. Yea, I get it. I got it before the example and now I am just annoyed skimming past the examples thinking about the trees that were killed for no reason. Overall, there is some good content in the book, but it could have been cut down 25% easily. After reading the first half of the book I learned to just skip over the examples and skim some of the paragraphs to keep my sanity to make it through to the end

54 people found this helpful

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Amazon Buyer Guy

Most overhyped book I’ve ever read.

Reviewed in the United States on August 26, 2018

Verified Purchase

Too much of a focus on life energy and spirituality. Reads more like “The Secret” than a book about finances.

43 people found this helpful

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Monica Houlihan

What have you done!

Reviewed in the United States on September 19, 2018

Verified Purchase

What happened to the simple comprehensive assistance to money management? So disappointing.
I get it there is always so much else to say. However the original book was so good for those looking for good , profound,advice, Now.
An individual looking for help is not always in the best place to wade through pages thick with non stop sentences.
The original was slim and so helpful. This is not a book an 18 to 20 year old..even older would read.
I can only say to VickiRobin "The road to hell is paved with good intention"

34 people found this helpful

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Top international reviews

BB999

Its all about having the right mindset...

Reviewed in the United Kingdom on September 14, 2018

Verified Purchase

I found this to be a very engaging read. The crux of it is that we should all be equating our income to units of time (of our life - hence the title). By doing this, you work out the price of something in hours/weeks or whatever, rather than £££s.
So an item valued £100, is worth a lot more to someone who earns £50 a week than it is for someone who earns £1000 A week.
This, in theory, should help us make better decision regarding how we spend our hard earned cash.
Changing your mindset in this way could help stop you spending mindlessly on things that aren't really essential or even really wanted. Good advice!
The book is probably longer than it needs to be. I'll probably read it a second time to recap some of the useful tips/advice.
I recommend that everyone starts to think in this way when it comes to their finances!

13 people found this helpful

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Samuel Thomas

Not the book I was hoping, and expecting it to be

Reviewed in the United Kingdom on February 20, 2019

Verified Purchase

If you know the basics about personal finance, then this book is not for you. I can't say I learnt anything from this book. It never goes into detail about anything. The chapter I was most looking forward to in this book, was the one about investing in incoming producing assets. However this was very disappointing as all it stated was "invest in assets that create income". Stated she made lots of money investing in bonds when the interests rates were good, but advises against them now, however no alternatives were given. If you're new the financial independence world then this book maybe of use to you, otherwise I'd avoid it.

13 people found this helpful

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Boing

Useful classic FI book but best not read on a Kindle

Reviewed in the United Kingdom on August 23, 2017

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Many of the graphics, which were essential to following the advice in this book, were too small and unclear to read on a Paperwhite Kindle.

23 people found this helpful

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Mr savage

Basic

Reviewed in the United Kingdom on August 20, 2018

Verified Purchase

This is an overly basic book which for the most part just states the obvious. Most of the content is financial common sense 90% of which I was already implementing. I learned almost nothing from this.

12 people found this helpful

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Barry

Very basic information.

Reviewed in the United Kingdom on March 12, 2019

Verified Purchase

Extremely basic personal financial advice. Information is very repetitive and this book could easily be 30% shorter. Step is very shallow with its depth that it feels like the author is trying to sell me something but doesn't want to get the vital information away until you pay. In my opinion step 9 isn't an actual step, as is doesn't give any specific advise just a list of possible ways to invest your money.

4 people found this helpful

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Mikkel Bach Kristensen

The best book about money. “Honestly”

Reviewed in the United Kingdom on August 21, 2018

Verified Purchase

A must read for everyone that has problems with their economy or just want to spend less and save more up for the future.
It will change your way of thinking about how you spend your money! This is the best book about personal finnance i have been reading “honestly”
I can’t recommend this book enough.
•Get it
•Read it
•And you will be thinking different about money!

7 people found this helpful

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Anand Panjabi

Some great concepts

Reviewed in the United Kingdom on September 10, 2019

Verified Purchase

- a very good resource for those who have not yet studied, read about or been thought about the principles of financial independence.
- prompts you to think deeply about your core values and understand what is truly important to you.
- points you in the direction of taking action according to those values - only spending on what brings you genuine joy and what you actually need to live

- there are many other, better books regarding specific investment strategies. However this is an excellent grounding in understand yourself and then applying that understanding to your financial life decisions

2 people found this helpful

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eily31

Very thought provoking book that is well worth a read

Reviewed in the United Kingdom on August 13, 2018

Verified Purchase

What does the money that comes in - and out - of your life really mean to you? And what about money that is spent on work-related expenses like clothes and lunches? Does it really pay to work certain jobs? Which lines of your budget brings you joy and which bring you misery? Be prepared to question everything after reading this book, and that's a recommendation!

3 people found this helpful

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N. Nunes

Serious Wisdom

Reviewed in the United Kingdom on May 3, 2017

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Everyone should be encouraged to read this. It really gives proper perspectives on money and life pursuits.

6 people found this helpful

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Amjad

Did not find it that engaging.

Reviewed in the United Kingdom on July 2, 2019

Verified Purchase

Wasn't an easy read. Felt that much of the stuff talked about was already common knowledge which could have been condensed, more concise and to the point. Really wanted to find some new useful info but there wasn't any for me unfortunately and in that sense wanted the book to end sooner rather than later. Suffice to say I don't think I will be re-reading the book to implement the 9 steps discussed as in some ways I am already implementing them steps in my own way.

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Kyle King

Great book. Awe inspiring.

Reviewed in the United Kingdom on May 1, 2020

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Very inspirational book. I gained some very crucial insights into how money controls happiness and life energy and how you can change your attitude towards it to become happier.

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Shoeaholic

Changed my life

Reviewed in the United Kingdom on September 17, 2019

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Changed my outlook on life, though Bond are not as safe and wise as they used to be, just exchange for low cost market trackers and you can do everything else this book tells you

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Beck

Changed my entire relationship with money and time

Reviewed in the United Kingdom on April 7, 2020

Verified Purchase

This book really helped change my perspective on money and how I spend my time/focus in life.
This isn't a book about investing or getting a lot of money quickly so much as it is about our relationship with money and how our unconscious financial decisions impact our life satisfaction.
Almost everyone can find something useful in this book.

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Amjad Shaheed

great book

Reviewed in the United Kingdom on April 4, 2019

Verified Purchase

very good book and excellent advice and how to thing differently when financing and shopping. now days we waste alot of money on useless thing

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Amazon Customer

Highly recommend this Excellent and relevant book

Reviewed in the United Kingdom on May 9, 2017

Verified Purchase

Excellent and relevant book. Would recommend to anyone who would like to get their finances in order with the aim of looking to becoming financially independant and at the same time improving their life goals.

4 people found this helpful

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