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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
Narrated by: Vicki Robin
Length: 11 hrs and 21 mins
4.5 out of 5 stars (124 ratings)

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Summary

Brand new for 2018: 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 25 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" (The New Yorker) Mr. Money Mustache is the ultimate makeover of this best-selling 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 tell 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." (The Los Angeles Times)

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2008 Vicki Robin and Joe Dominguez and Mr. Money Mustache, foreword (P)2018 Penguin Audio

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Inspires Action to Work towards being F.I.

A good listen that I would recommend for people interested in the idea of financial independence and living with less. Definitely some good ideas but is certainly a plan that would need commitment as it is very detailed and would require a lot of time.As a European, I find it a little difficult to translate some of the actions and ideas as the book is based on American culture and lifestyle, particularly the investing section but still worth a listen for a bit of inspiration.

7 of 7 people found this review helpful

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Practical but obvious

I think this book is geared towards those caught in a consumer/debt cycle. It does contain practical steps which can be implemented, no doubt, but if you have any sense then I can guarantee you’re doing most of them anyway.

If this is the first book you came across on Financial Independence and aren’t doing simple things like tracking your expenditure & income, then this is the book for you. Personally though I found Rich Dad Poor Dad more useful as it’s geared towards changing your whole thinking and approach to managing money.

4 of 4 people found this review helpful

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Bored after two hrs

This is more of a well being mindset book over a functional finance book, I got bored after the first two hrs and had to stop. Also Should have paid for someone to narrate rather than doing it herself.

1 of 1 people found this review helpful

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Much more basic than I was expecting

Quite dated and not really that useful if you already have some basic financial knowledge.

1 of 1 people found this review helpful

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  • TZ
  • 10-03-19

the voice in this audiobook is sleep inducing

I'd recommend reading this book instead as the pace of this audiobook is slow and sleep inducing. I can barely focus on the content without falling asleep. needs a more engaging speaker.

1 of 1 people found this review helpful

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Talk talk talk.

talk talk talk talk and more talk and nothing else than talk. Invest you money and your time somewhere else.

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Deserves a place in your Library

This book, along with Millionaire Next Door are the two classic "pre-FIRE" FIRE manuals that deserve the praise they have widely received, and ironically its because they were written in an era where the now over-simplified and uncontested cornerstones of FIRE weren't yet clearly established.
Robins' book holds up well and the underlying message about identifying your values and freedom as tradeoffs for material wealth is timeless.

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Interesting. thought food

I found the book with good timing and it was recommended in a goals and vision masterclass book. Having been inspired by T Harv Eker's book I took a new job 6 weeks ago and doubled my income, only to find myself now working over 50 hour weeks, 6 days a week and wondering why I left my last job for minimum wage where I was really happy and fulfilled. After finishing the book I am going for interviews this week for my old job but with a few more tweaks that are contained in this book relating to lifestyle. This book addresses that kind of dilemma as well as some theory in minimalism, looking at what is truly valuable to you in many areas if your life, and helps you to figure out how much certain pursuits, jobs and people etc actually 'cost.' The speaker I found very sweet, easy to listen to, a little monotone at times but generally great. Each section is structured nicely. There is nothing really to find fault with, other than one small mention which said how self storage business is helping people to have an excess. I personally have only a motorbike and no home, I live in hotels and am considering a tent for warmer months, so self storage will mean that I can regularly rotate my clothes and store my expensive camera and seasonal clothes that I don't want to keep on me and wont be used until the season. It's actually quite a brilliant concept for people with no home to leave their things for short term.

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Good book about cutting back spending

Good book to listen to, the stories and examples are good. I found it was quite repetitive in some places, not a book for entrepreneurs, more aimed at people who have jobs I would say.
Overall, worth a listen x

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  • S
  • 13-05-19

Not what I expected

I had expected a budgeting kind of book, this is so much more than that. It challenges you to really explore your relationship with money and transform the way you live your life as a result. Fantastic.

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  • Tristan
  • 24-09-18

Not A Book About Finances

I had a lot of problems with this book. If you're looking for something that will teach you about money look elsewhere. The author spends the whole book talking about people who used "this step" of her program or "that step" but it isn't very practical. She seems to think that working full time just leaves people lonely and bad parents or bad partners and the only way anyone is going to be happy is by buying land in the middle of nowhere and learning to farm and fix your own stuff when it breaks. The only way to reach financial independence is by not spending any of your money, giving it to charity, working for some kind of a charity and never going shopping or buying anything.
When I figured out that this book was less about how to get your money to work for you and more about how to figure out what is "enough" I tried to shift my thinking but the author insistence that people will never be happy unless they quit their high paying jobs as computer programmers to teach children to write code for a quarter of your previous salary was just down right annoying.
If you're actually interested in what her program entails and not listen to a bunch of stories about how a hotel maid in WA paid off thousands in debt by just being a reliable person who was fortunate enough to be available when her boss needed to promote someone, skip to the end. She tells you the steps in the last chapter. There is a few useful bits of info in this book, more particularly the chapter on investing but she never really goes in depth and just talks about these well known money folks like JL Collins and Mr. Money Mustache.
Overall, I'm pretty disappointed with this book. Not sure what all of the hype is about.

65 of 68 people found this review helpful

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  • Abigail
  • 03-09-18

only useful to the utterly clueless

I was hoping to hear tips about how Vicki Robin made it through decades of market ups and downs after early retirement. Instead, I got a loooong, chiding lecture about my terrible materialism and how dumb I must be about my life and my money. The author addresses all criticism directly at the reader as though we're all white-picket-fencers with 2 enormous homes and an out-of-control shopping habit.

I'm a self-employed single person planning to retire in my mid-forties, so basic financial management is not new to me. I *would* like to hear about how she managed decades of changing markets without income, but this book was totally useless in that regard.

If you feel that your spending is out of control and this is your FIRST book on personal finance, it might be worth reading.

46 of 51 people found this review helpful

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  • Gus C.
  • 26-03-19

Not what you expect

This books is literally hours and hours of Vicki rambling on and on about how Americans are ruining the environment. I expected a book about how change my relationship with money. What I got was guilt trip about how I am ruining the earth for the future generations. Waste of my money.

6 of 6 people found this review helpful

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  • Thelemarc Celestin
  • 27-04-19

This book was kinda so-so. More on the boring side

This book sounds like they are just repeating themselves. They are saying nothing anyone doesn’t know already. So it was kinda like a waste of my time and money,honestly. She did give very very very few insight. 5-10% insight, 90-95% fluff. Would I recommend this book to others? But I enjoyed her voice, she sounds like a cute elderly lady lol. And the stories of others are pretty good also. The answer to that question is NO, sad to say.

4 of 4 people found this review helpful

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  • Amazon Customer
  • 18-03-19

Brutal and simplistic

The FIRE concept is great and has and will change lives. This book/audio book was very boring to listen to. I feel like it’s can be distilled down to a 1/3 of its current size/length. The narrator was not the best I have heard. The portion on logging how much you spend went on and on.

4 of 4 people found this review helpful

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  • Paul Blair
  • 13-03-19

More spiritual than financial.

Not what I was expecting at all. This book contains very little real financial advice. It's mostly spiritual self improvement kind of stuff. Rich Dad poor Dad is 100x better and if you want something to that's short and gets down to the nitty gritty that is short and solid advise, try total money makeover. 1/10 I would not recommend this book.

4 of 4 people found this review helpful

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  • Joe Bloggs
  • 08-03-19

Preachy Hippy Woman talks about money and life

I bought this book because it was recommended by literally dozens of people in the FIRE movement and in the Minimalist movement. How could so many people be so wrong?

The book begins with a diatribe of progressive liberal talk about saving the planet and the evils of consumerism.
Like a furious storm the tirade eventually relents to a gentle Hippy rain as we get into the heart of the book and
it's ideas. At the core of the book is the idea that you trade your "life energy" for money and most of us have
devalued our "life energy" to the point that we are essentially making bad trades.

The cure for our malady is meticulous budgeting, recording expenses to the penny, charting income and expenses,
and a lot of self reflection about whether or not our consumption was worth the "life energy" spent earning the
money we spent.

Instead of making a point and moving on, the author likes hammering the point as if she was preaching a sermon.
If this isn't bad enough she invents words which will be used repeatedly throughout the book along with her quirky
saying "Earning a Dying".

If you're thinking maybe this book just rubbed me the wrong way, you're probably right. Is there some value here? Yes, but only if you are of a particular mindset. What is that particular mindset? You don't really care for money too much and are on a crusade to save the planet.

3 of 3 people found this review helpful

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  • Austin
  • 04-11-18

A bit long

Good info but it was a bit too long and rambled in places. Wish it was read by a professional instead of the author.

2 of 2 people found this review helpful

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  • Dan Amato
  • 05-03-19

Agenda

Was excited to listen to this book after hearing about it on numerous podcasts and other outlets pertaining to personal finance. did not expect for it to have an agenda and talk about the environment, racism, sexism, etc.

1 of 1 people found this review helpful

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  • Anonymous User
  • 25-02-19

muted starts

the beginnings of chapters are muted. therefore you miss the first word(s). this is annoying.

1 of 1 people found this review helpful