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Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Ind ependence: Revised and Updated for the 21st Century Paperback – December 10, 2008

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Vicki Robin (Author)
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Vicki Robin (Author), Joe Dominguez (Author), Monique Tilford (Author)
4.3 out of 5 stars 256 customer reviews
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Product Details

  • Paperback: 384 pages
  • Publisher: Penguin Books; Revised edition (December 10, 2008)
  • Language: English
  • ISBN-10: 0143115766
  • ISBN-13: 978-0143115762
  • Product Dimensions: 5.1 x 0.6 x 7.8 inches
  • Shipping Weight: 9.9 ounces (View shipping rates and policies)
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (256 customer reviews)
  • Amazon Best Sellers Rank: #3,354 in Books (See Top 100 in Books)

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3.0 out of 5 starsOk, but not great
By Sachmo on November 26, 2009
Format: Paperback
The fundamental premise of this book is pretty good. The idea is as follows: You devote a given amount of time a day into work (say 10 hours). You earn an hourly wage, let's say for argument's sake it is $16 / hour. But there are many hidden costs associated with having a job.

For example, you may spend 30 min. commuting to and from work. After you get back from work, you may spend an additional hour "decompressing" - as in mindlessly watching TV in order to relax. You may also spend maybe another 30 min. or so talking about your work situation to your significant other.

So when you calculate your REAL hourly wages, you have to take all of this extra time into account. After all, you wouldn't be doing all of this stuff if you didn't work at this particular job.

Also, there are monetary costs to working. Such as spending money on nice work clothing. Buying lunch in the afternoon, because it would be too time consuming to prepare lunch every night. If there are things that you might do yourself but don't because of your job (taking care of your lawn, car, house, etc), you have to subtract the monetary costs of outsourcing all of this work.

What the book points out is that your REAL hourly wage is often much less than you think it is. In the example above, $16/hour could easily fall to $10 or $11/ hour.

The book then goes on to argue that when you start looking at stuff to buy - you should think about the cost of a new iPod for example in terms of hours spent working for it, not money. So for example, if you buy a $200 iPod, and you REAL hourly wage is $11/ hour, you've just spent about 18.2 hours of your life working away for that iPod. It really puts things into perspective.Read more ›
40 Comments 788 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
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5.0 out of 5 starsGreat book, creative & motivating ideas.
By Trinity the Voracious Reader on January 23, 2010
Format: Paperback
I got this book after reading in several blogs how good this book is. Now I know why. To start with, the nine steps mentioned in this book are:
(1) Making Peace with the Past;
(2) Being in the present - Tracking Your Life Energy;
(3) Where Is It All Going? (The Monthly Tabulation);
(4) Three Questions That Will Transform Your Life;
(5) Making Life Energy Visible;
(6) Valuing Your Life Energy - Minimizing Spending;
(7) Valuing Your Life Energy - Maximixing Income;
(8) Capital and the Crossover Point;
(9) Managing Your Finances.

You really gotta do the steps! Sure the steps take times and discipline to implement, but once I started, I got a lot out of it. Some of the shifts that I experienced:
1. A way of thinking that "money is simply something you trade life energy for".
Because I really want to know how much I trade my life energy for doing my job, I become very discipline in tracking my spending and created many new categories in my Quicken to be able to answer the the 3 Questions in step 4.

2. The attitude of "no shame no blame" when evaluating what one had done with one's finance. The book mentioned many times this mantra that helped whenever I felt bad about my previous decision, I would tell myself "no shame no blame" and no regret (my own addition).

3. The hope of being financial independence. The step of charting and making life energy visible were very helpful. I am looking forward to the time when my monthly investment income crosses over with my monthly spending. The book gave examples of people who successfully crossed over this point which are very motivating.Read more ›
2 Comments 199 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
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5.0 out of 5 starsYour Money or Your Life - One of the best personal finance books I've ever read
By James Ryan on February 7, 2011
Format: Paperback
Your Money or Your Life is one of the best books I've ever read on personal money management.

In Your Money or Your Life, money is introduced from a refreshingly new perspective. The book argues that you are currently making a "dying", as opposed to making a "living". A 9-step process is introduced to get you back on track toward living a fulfilled life through smart spending and financial independence.

The basic premise of Your Money or Your Life is that life is too valuable to waste away working 40+ hours every week, one week at a time for the rest of your life... Just so you can have enough money to buy all those material possessions to keep up with the Jones's.

The book goes on to make an eye-opening connection between money and your personal life. Basically, you only have so many hours of life - which the book refers to as Life Energy - and the fulfillment we get out of life depends on how we spend those precious few hours. Most people trade a significant amount of their Life Energy in exchange for money to buy things - unimportant, unfulfilling, and at times even wasteful things.

Your Money or Your Life goes through the exercise of having us determine the number of hours each of us has to work in order to make a purchase. The book doesn't suggest budgeting, but instead uses the connection to force us to make conscious decisions about how we spend our money. You're actually encouraged to spend money on the things that are meaningful and fulfilling to you. On the flip side, the book argues that you should reduce your spending as much as possible on the things that are meaningless to you. Any money you save from reducing your meaningless expenses should be invested toward early retirement.

We are caught in a never ending trap...Read more ›
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Most Recent Customer Reviews

5.0 out of 5 starsFive Stars

Good read

Published 2 days ago by Philip Cartwright
5.0 out of 5 starsABSOLUTELY A MUST READ!

I recommend this book to EVERYONE! This book gave me just the inspiration and motivation I needed to start building an amazing life for myself where I am in complete control. Read more

Published 6 days ago by Kierra Ivy
4.0 out of 5 starsThanks, Dad! Great book.

I was given a copy of this book by my Dad many years ago, and it speaks to me still today. Learning to appreciate the true value of your time and your money is an essential step in... Read more

Published 1 month ago by Kyle Eason
5.0 out of 5 starsFive Stars

One of my favorite Personal Finance books and an insightful book for frugal living.

Published 1 month ago by Ana Fernandez
3.0 out of 5 starsNot for experienced FIers

Nothing really earth shattering here. If you are at the stage in your life that you still haven't created a budget for yourself, this book is for you. Read more

Published 1 month ago by Amazon Customer
4.0 out of 5 starsRequired reading

This should be required reading for those trading their lif force for money,

Published 1 month ago by Ric
5.0 out of 5 starsFive Stars

Good stuff - gets you on the track to financial success.

Published 1 month ago by John from Upland
5.0 out of 5 starsGreat book, it has taught me a lot about ...

Great book, it has taught me a lot about how to use my money and a way on how to start saving wisely.

Published 2 months ago by Jeannette
5.0 out of 5 starsGreat information. Definitely makes you reconsider how you're living

Great information. Definitely makes you reconsider how you're living, how you balance what you want versus desire, and change your future.

Published 2 months ago by Brian
3.0 out of 5 starsProbably good, only good for FI non-believers / deeply entrenched...

This is not for someone who has already bought into FI or has already released the idea of a consumer-heavy existence.

This is FI for FI non-believers. Read more

Published 2 months ago by Maddie

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