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Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence [Paperback]

Joe Dominguez , Vicki Robin
4.4 out of 5 stars  See all reviews (73 customer reviews)

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There is a newer edition of this item:
Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Revised and Updated for the 21st Century Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Revised and Updated for the 21st Century 4.7 out of 5 stars (7)
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Book Description

Sept. 3 1999 0140286780 978-0140286786 1REV
Find financial freedom in the new millennium with a new edition of the life-changing national bestseller

More than three-quarters of a million people everywhere, from all walks of life, have found the keys to gaining control of their money--and their lives--in this comprehensive and revolutionary book on money management. Considered the bible of the voluntary simplicity movement, Your Money or Your Life is now updated with a new Preface, Index, and Resource list to help you put the program into practice. This simple, nine-step program shows you how to:

* get out of debt and develop savings
* slow down the work-and-spend treadmill
* make values-based decisions about your spending
* save the planet while saving money

* Over three years on the Business Week bestseller list
* Your Money or Your Life made all major bestseller lists in hardcover and paperback, including the New York Times, USA Today, Business Week, Publishers Weekly, and Washington Post

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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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Customer Reviews

Most helpful customer reviews
7 of 7 people found the following review helpful
By A Customer
The authors practice what they preach, and they preach a very thought-provoking new way to look at how our lifes revolve around money. New readers will appreciate their discussion in analyzing careers and values in terms of "life energy." Many will also come to see how hidden costs to particular jobs can be an added drain to financial and personal well-being. I see lots of friends scratching their heads and wondering where their fat paychecks have gone after subtracting the cost of commuting time, required work wardrobe, car maintenance, and gas. This book contains snippets of stories about individuals that faced money dilemmas and how they gradually overcame their fear, ignorance, and misconception about money.
The one major downfall in this book comes at the end, with the discussion of where to invest one's money. After a flawed attempt at miniming the dangers of inflation and a well-deserved jab at conflicted brokers, the authors advocate investing everything in treasury bonds, simply because it's the least volatile financial investment. While we currently live in a time of relatively low inflation, there is no guarantee this will remain so, given the ever-growing weight of the national budget deficit and the trade deficit in the U.S. and political and economic instability around the world. The authors brushed aside inflation by pointing out the possibility of product substitutions. However, general inflation occurs when prices of all products rise simultaneously, not just with one particular product. Just ask anyone who lived through the late '70s/early '80s on a fixed income. The yields on treasury bonds have been dismally low, barely over inflation.
It is also wrong to assume that living expenses will stabilize or fall during retirement. The cost of health care is rising.
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3 of 3 people found the following review helpful
5.0 out of 5 stars WARNING!! This Book May Change Your Life Nov. 6 2003
By Stephen Pletko TOP 50 REVIEWER
This book's contents can be summarized in one sentence: it outlines a life-changing philosophy and plan for financial independence.
However, this summary does not give credit to the number of features that enhance this riveting book. Some of these features are as follows:
(1) THE AUTHORS LIVE WHAT THEY TEACH. For example, one of the authors, the late Joe Dominguez was a financial analyst on Wall Street before taking an early retirement (at age thirty-one). Did he make a killing on Wall Street that enabled him to do this? No! What he did was to decide to take back his life by gaining control of his money and eventually gain financial independence through a nine-step program.
(2) A MULTI-DISCIPLINE BOOK. As mentioned, part of the magic of this book is that it teaches a life-changing philosophy. But within this philosophy you'll find other areas such as finance, economics, history, simple mathematics, environmental science, psychology, and spirituality. All these are blended together to form an interesting and instructional narrative.
A cornerstone of this book's philosophy is the following equation: MONEY = LIFE ENERGY. That is, you have to work or expend energy to make money. Most people see their life energy as precious.
(3) PRACTICAL ADVICE. Practical advice on how to save money can be found throughout this book. But the truly practical and another magical part of this book is its NINE-STEP PROGRAM. Readers have a chance to peruse the final, workable form of this program that leads to financial independence. (Financial independence as defined by this book is the amount of money that is ENOUGH for you or you and your family.)
A highlight of this program is that you only have to WORK FOR A FINITE PERIOD OF TIME.
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3 of 3 people found the following review helpful
5.0 out of 5 stars Sane Advice Dec 16 2003
By A Customer
This book completely changed the way I live. Being born and raised in NYC (and I still live here) I was totally wrapped up in designer clothes, dinners out, $200 hair cuts, etc. I never felt fulfilled or happy. After reading this book I've made so many changes and, not only do I not feel deprived, I feel liberated. I feel like a fog has cleared in my mind. I've never been more relaxed, calm, and happy in my life. This book, if you seriously follow the steps, not only leads to financial freedom (which it does!) it leads to self awareness and happiness. It also made me feel less isolated and closer to the community.
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2 of 2 people found the following review helpful
3.0 out of 5 stars Good book on how to get out of debt.. Jan. 6 2000
By A Customer
I am in my mid 30's and into serious financial planning. I found this book interesting, but a bit long. Also, I am pretty much in-control of my finances, so some of the suggestions were common sense to me.
However, if you are a person who lives check-to-check and is looking for a way to get out of the earn-and-spend spiral, I'd highly recommend this book or 'The Mindful Money Guide'.
If you are looking for a nuts-n-bolts book on managing your finances, there are better books. If you are interested in exploring your relationship to money and what 'enough' is in your life, then you'll find this book worth a read.
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By A Customer
A friend of mine first recommended Your Money or Your Life to me ten years ago. I went out and bought the book, read it, put it on my bookshelf where it languished collecting dust, and finally re-read it three months ago. Why didn't the book's messages sink in the first time I read it? Was I lazy? Not ready to have a relationship with money? Or did I need to hit rock bottom and accumulate significant credit card debt to understand that money was controlling me and not the other way around? The bottom line is I finally admitted I had a problem with managing money and needed to do something about it.
Money is a very emotionally-charged, personal, and difficult subject. Dominquez and Robin attempt to take out the emotional and conduct a rational conversation with you about money and the role it plays in our lives. Money is simply a medium of exchange and you need to understand how you are exchanging it with your life energy. Some of the language is "new agey" and environmentally-oriented, but make sure you see the forest through the trees.
This book is the one that finally motivated me to start tracking my expenses on a daily basis. I've read books by Suze Orman, David Bach, Charles Schwab and countless other money experts. But Your Money or Your Life brings to life how tracking your income and expenses, in a way that works for you, will make you want to think about each and every dollar that you spend. We spend our time earning money, we spend our time spending money, but how much time do we spend thinking about and tracking where our money goes? And you don't have to use Intuit or some other fancy software program to manage your money. Design a format that works for you.
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Most recent customer reviews
5.0 out of 5 stars Finance debunked
One of the great lessons of life that I thankfully learned at a relatively young age is that if you do what everyone else does, you'll end up with what everyone else has. Read more
Published on July 5 2004 by Robert Sharpe
5.0 out of 5 stars It's your life - Take charge of your personal finance
YMOYL is one of my top ten books of all time. Why? Because it maturely and rationally analyzes your personal relationship and attitudes about money, status, and life style and... Read more
Published on May 18 2004 by christin
5.0 out of 5 stars Great plan, and message.
This book is truly about more than just getting out of debt and gaining control over your money. It is about choosing what is most important to you personally, then making the... Read more
Published on April 29 2004 by Anya
5.0 out of 5 stars If you're not reading this book, you're really missing out.
Wow! This book is so much more than about money. It's about life, purpose, fulfilment, values, responsibility, integrity, awareness... Read more
Published on April 27 2004 by Xavier de la Foret
5.0 out of 5 stars Cut consumption until it hurts and invest in bonds
A hard but sure way to get out off the rat-race. The program in this book is very demanding. The demands will be too great for most readers. Read more
Published on April 15 2004 by andris virsnieks
4.0 out of 5 stars Helps you examine your ideas about money and work .
Your Money or Your Life by Joe Dominguez and Vicki Robin, is a collection of simple, common sense observations about money. Read more
Published on April 5 2004 by Dan
4.0 out of 5 stars Your Money or Your Life
I worked with this book in several groups of 10-15 people to discuss "Voluntary Simplicity". The book is easy to read and inspires people to simplify their lives. Read more
Published on Jan. 30 2004 by private321
1.0 out of 5 stars If You Love Ultra Liberal Viewpoints, This Book Is For You
As I researched the topic of simple living, this book kept getting recommended, so I bought it. However, I could not make it through the whole book without becoming nauseated by... Read more
Published on Jan. 8 2004 by Clyde Seeger
5.0 out of 5 stars This will change your life!
I read this book in my mid 40's with a pretty good financial picture, but with the need to send two kids away to college at the same time! Yikes! Read more
Published on Oct. 27 2003
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