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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
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“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 fortaking 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
- Print length368 pages
- LanguageEnglish
- PublisherPenguin Books
- Publication dateDecember 10, 2008
- Dimensions7.76 x 5.08 x 0.44 inches
- ISBN-100143115766
- ISBN-13978-0143115762
Book recommendations, author interviews, editors' picks, and more. Read it now
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- Endless desire is one of the pitfalls of human nature, and one of the first things you need to cure if you want to get ahead more quickly.Highlighted by 4,566 Kindle readers
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From the Publisher
Editorial Reviews
Review
"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.
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
- Publisher : Penguin Books; Revised edition (December 10, 2008)
- Language : English
- Paperback : 368 pages
- ISBN-10 : 0143115766
- ISBN-13 : 978-0143115762
- Item Weight : 8.8 ounces
- Dimensions : 7.76 x 5.08 x 0.44 inches
- Best Sellers Rank: #5,053 in Books (See Top 100 in Books)
- #37 in Budgeting & Money Management (Books)
- #220 in Success Self-Help
- Customer Reviews:
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About the authors
Vicki Robin is a prolific social innovator, writer and speaker. She is coauthor with Joe Dominguez of the international best-seller, Your Money or Your Life: Transforming Your Relationship With Money and Achieving Financial Independence (Viking Penguin, 1992, 1998, 2008). It was an instant NY Times best seller in 1992 and steadily appeared on the Business Week Best Seller list from 1992-1997. It is available now in eleven languages.
Her new book, Blessing the Hands that Feed Us; what eating closer to home can teach us about food, community and our place on earth (Viking/Penguin 2014) tells how her experiment in 10-mile eating not only changed how she ate, but also renewed her hope and rooted her in her community. She calls this “relational eating.” She went on to investigate how we might restore the vitality of our regional food systems so everyone could have the benefit of relational eating – healthy food, healthy communities. She calls this building “complementary food systems,” not to replace but to work along side of the global industrial systems we now depend on for almost 100% of our food. Her book offers many practical tools for transformation, from changing our attitudes, to changing our habits to changing our food sources to getting active in social and political change.
Called by the New York Times as the “prophet of consumption downsizers,” Vicki has lectured widely and appeared on hundreds of radio and television shows, including "The Oprah Winfrey Show," "Good Morning America" and National Public Radio's "Weekend Edition" and "Morning Edition"; she has also been featured in well over 100 magazines including People Magazine, AARP, The Wall Street Journal, Woman's Day, Newsweek, Utne Magazine and the New York Times.
Vicki has helped launch many sustainability initiatives including: The New Road Map Foundation, The Simplicity Forum, The Turning Tide Coalition, Sustainable Seattle, The Center for a New American Dream, Transition Whidbey and more. In the 1990’s she served on the President's Council on Sustainable Development's Task Force on Population and Consumption.
In addition to her sustainable consumption work, Vicki has been a leader in the field of dialogue. She co-created the Conversation Cafés method and initiative, promoting it first in Seattle and then throughout the world. Conversation Cafés are hosted conversations among diverse people in public places on subjects that matter. Vicki has spoken at workshops, conferences and to the media (Readers Digest, National Public Radio, Utne Magazine, The New York Times, The Seattle Times and many local media) about the Conversation Café method and its possibilities for revitalizing our public life.
For fun, Vicki is a comedy improv actress, appearing frequently with her troupe, Comedy Island.
Born in Oklahoma in 1945, Vicki grew up on Long Island and graduated cum laude from Brown University in 1967. She received awards from Co-op America and Sustainable Northwest for her pioneering work on sustainable living. Vicki’s one of 61 visionaries featured in Utne Magazine’s book, Visionaries: People and Ideas to Change Your Life. A&E Entertainment’s show “Biography” honored Vicki as one of ten exceptional Seattle citizens. She currently lives on Whidbey Island in Puget Sound.
Discover more of the author’s books, see similar authors, read book recommendations and more.
Customer reviews
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Learn more how customers reviews work on AmazonCustomers say
Customers find the book provides good financial advice and a timeless perspective on personal finance. They describe it as a good, easy read with clear content and no-nonsense approach. Many consider it life-changing and worth pursuing. However, some readers feel the author writes too much and the book is too long. Opinions differ on how practical the steps are and whether the tools are simple.
AI-generated from the text of customer reviews
Customers find the book's financial advice helpful. They say it helps them understand the role of money in their lives, provides good ideas for money transformation, and is timeless. The book offers common-sense steps to achieve financial independence and a reasonable path to long-term financial independence.
"...huge aha-moment that this is the approach I want and need for sound money management moving forward...." Read more
"It’s not about the number, it’s about the meaning and purpose behind the money, the relationship between money and life" Read more
"...The book left me invigorated, and inspired to live more simply so that I can spend more of my life “ working for a living instead of working for a..." Read more
"...Most of the rest of the book deals with your net worth, visualizing it, and maximizing it by spending less and earning more...." Read more
Customers find the book easy to read with good content and advice. They say it's a good read for everyone, especially young people. The first 8 chapters are great, while chapter 9 should be deleted. Overall, customers find the book practical and non-nonsense, providing good and actionable advice.
"...Although a very practical and no-nonsense book, I think its results in one's life can still be magical." Read more
"...That said, this is a great book, probably one of the best I've read on the subject, and it's one I will recommend to everyone and re-read once a year." Read more
"...I don’t read too many books or never finish them. But this one has such good and actionable advice that I finished it and made big realizations for..." Read more
"...the extended, deliberate dive into each topic, the illustrations of real world people, and the time spent with my mind wandering and weaving Vicki’s..." Read more
Customers find the book life-changing. They say it challenges them to rethink their views on work, money, and purpose. It helps them reframe their mindsets and use their energy well. The practical approach is appreciated. Overall, customers find the book relevant and eye-opening.
"...Although a very practical and no-nonsense book, I think its results in one's life can still be magical." Read more
"This book has a core of good, basic advice to help readers be more intentional with money. It is terrible as an investment guide...." Read more
"...What it attempts to do is change your mindset, let you step outside of yourself and reexamine your own truths about money and finances...." Read more
"...This book asks the reader to consider what is work, what is money, why are we here in the first place...." Read more
Customers have varying opinions about the book's ease of use. Some find it practical and straightforward, with simple tools and guidance. Others feel the content is basic and lacking new advice.
"...The tools are simple too, and anyone can use them...." Read more
"...But this one has such good and actionable advice that I finished it and made big realizations for my life." Read more
"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..." Read more
"...It prescribes a pretty detailed nine step program, but in reading the book you can get an overall feel for what your choices are costing you." Read more
Customers have mixed opinions about the book's pacing. Some find it solid and reliable, providing practical advice to get where they need to be. Others feel it's filled with pointless anecdotes and repetition of earlier points. The book has a core of good, basic advice to help readers become more.
"...spending less and finding financial independence, happiness and inner peace by freeing yourself from the lie of consumerism and psychopathology of..." Read more
"While the books premise is correct and saving enough for your investment income to match your expenses would free up your life energy, when you..." Read more
"...Seriously, this book could have been a pamphlet, but it's jam-packed with anecdotes, repetition of earlier points, and general clutter that makes me..." Read more
"...It arrived quickly and in flawless condition." Read more
Customers find the book too long. They mention the author is long-winded and the book starts on a depressing note. There are many wordy passages that bog down the core tenants of the message. The chapter on investing is only 30 pages long, filled with pointless anecdotes about how so-and-so. The first 80 pages are worthless and torture mostly focusing on consumerism.
"...The book is dense, sometimes repetitive and I found the case study examples boring after awhile...." Read more
"...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..." Read more
"...go about using your money, this is for you, even if the author is long-winded in places." Read more
"This book has some good ideas for money transformation. But author just wrote way too much...." Read more
Reviews with images
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Good but damaged
Top reviews from the United States
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- Reviewed in the United States on May 14, 2024I recently asked ChatGPT about the best books to become wealthy, and Your Money or Your Life was suggested. I went to check it out and then realized that I already had it on my Kindle, having bought it years ago. I had read most of the book but not all, and I hadn't used the tools suggested. Looking back now, it feels crazy that I had the simple solution for my financial chaos right in front of me - but instead, I was busy chasing quick fixes in other places ("success" retreats, woo-woo books, therapy, you name it).
I have now finally finished Your Money or Your Life and had a huge aha-moment that this is the approach I want and need for sound money management moving forward. I know that the book's method works because although I haven't used all of its steps, I've been tracking my income and expenses every day for eight months (using a Japanese money journal, a "Kakeibo"). After having struggled with money my whole adult life, I'm now FINALLY living within my means and I'm set up to start creating wealth. It would never have happened without getting conscious about my actions with money through tracking how I use it.
I think I probably dismissed Your Money or Your Life when I first bought it years ago because I wanted a shortcut to abundance, so those were the "solutions" I bought into. The problem is that none of the other methods really worked. Your Money or Your Life may not come in a sexy package, but it WORKS. The tools are simple too, and anyone can use them. If you're tired of financial chaos and feeling like you never have enough, read this book and USE THE TOOLS! Although a very practical and no-nonsense book, I think its results in one's life can still be magical.
- Reviewed in the United States on December 30, 2024It’s not about the number, it’s about the meaning and purpose behind the money, the relationship between money and life
- Reviewed in the United States on December 22, 2022Financial independence became a passion of mine about 15 years ago. Growing up, I wasn't taught to save my money, so I had no concept of frugality or self-discipline around money. I worked and I consumed. I thought that's just how life works.
Eventually I realized I was strapped to the treadmill of constantly working jobs I hated and living paycheck to paycheck. I became frustrated by the fact that I wasn't actually living life on my terms. I sought out several books on the subject and even took a life-changing personal finance course at my local college. decided to change my career (I started a business), and I dug myself out of debt and started saving my money. I became more frugal and really paid attention to my purchases. Life was good.
It's been a few years since I have read a book on the subject of money. In recent years, I have developed a few poor financial habits and I'm not as disciplined as I once was. Running a successful business and living a cushy life can weaken you, if you're not careful.
"Your Money or your Life" is just the reality check I needed to get back into the right headspace. It reminded me of the early days of running my business where I was on a shoestring budget and loved every minute of it. The book is dense, sometimes repetitive and I found the case study examples boring after awhile. That said, this is a great book, probably one of the best I've read on the subject, and it's one I will recommend to everyone and re-read once a year.
- Reviewed in the United States on October 29, 2024Definitely worth to read. I don’t read too many books or never finish them. But this one has such good and actionable advice that I finished it and made big realizations for my life.
- Reviewed in the United States on May 15, 2018Just finished this book. Have already recommended it to three or four friends. I don’t frequently tell my wife she needs to read something, but this book has so many thought-provoking ideas and questions, and such potential to shape our future financial life that I felt it was was critical reading.
I recommend reading through quickly, then deciding how much detail to go into on some of the “assignments.” If you want the short short version, see the appendix, but i gained a lot through the extended, deliberate dive into each topic, the illustrations of real world people, and the time spent with my mind wandering and weaving Vicki’s recommendations into my own mental schema.
Some of it is a bit overboard in my opinion—I personally see little value in tracking down old W2’s, for instance. But I did find spending 30 minutes or so estimating what I made each year of my life revealing in multiple ways.
The process of methodically accounting for all you income and expenses can require a level of fastidiousness that I don’t have. Fortunately in this tech age online tools can help. I use Mint and love it. I began using Mint about a year ago, so some of the categorization tasks were already done for me. It has its quirks, but if you work past them it is a powerful, free budget analysis tool that pairs nicely with this book.
The book left me invigorated, and inspired to live more simply so that I can spend more of my life “ working for a living instead of working for a dying,” financially independent, and content with “enough.”
Top reviews from other countries
- Cliente KindleReviewed in Brazil on October 3, 2024
5.0 out of 5 stars Surprised and amazed
The author deal with sensible questions with simple and direct words. Helped me a lot, I hope will do the same to you.
- Amazon CustomerReviewed in Canada on September 10, 2024
5.0 out of 5 stars A mindset type of book
I read this back 25 years ago, and continue to buy copies to pass to friends that are looking for insights in how to arrange an lifestyle balance of working for money. I have since retired and feel this book helped me achieve my financial goals by aligning my mindset when I was young with my long term goals. Highly recommended reading.
- I ordered the blue Raspberry and received a product that has inside a different flavor!!! I need to report and refund and this is not authentucReviewed in the United Arab Emirates on August 11, 2024
1.0 out of 5 stars Cover already scratched
The cover came already scratched
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RafaReviewed in Spain on May 30, 2024
5.0 out of 5 stars Buen libro, aporta valor
Buen libro para saber como gestionar tu dinero
- imtias hussainReviewed in India on March 27, 2024
5.0 out of 5 stars Just finished it and this is gonna be my Bible.
I loved it. It Came at a crucial time in my life. I am glad I could complete it and I will try my utmost best to bring it into practice.