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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 [Kindle Edition]

Vicki Robin , Joe Dominguez , Monique Tilford
5.0 von 5 Sternen  Alle Rezensionen anzeigen (1 Kundenrezension)

Kindle-Preis: EUR 8,45 Inkl. MwSt. und kostenloser drahtloser Lieferung über Amazon Whispernet

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There's a big difference between "making a living" and making a life. Do you spend more than you earn? Does making a living feel more like making a dying? Do you dislike your job but can't afford to leave it? Is money fragmenting your time, your relationships with family and friends? If so, Your Money or Your Life is for you.

From this inspiring book, learn how to

  • get out of debt and develop savings
  • reorder material priorities and live well for less
  • resolve inner conflicts between values and lifestyles
  • convert problems into opportunities to learn new skills
  • attain a wholeness of livelihood and lifestyle
  • save the planet while saving money
  • and much more


"In this time of crashing markets, soaring prices, tent cities, and melting ice caps, no book is more useful to readers and to the planet than Your Money or Your Life."
-Mary Pipher, author of The Shelter of Each Other and Seeking Peace


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9 von 9 Kunden fanden die folgende Rezension hilfreich
5.0 von 5 Sternen Ein großartiger Ratgeber 20. Juni 2011
Von Mirko D. Walter TOP 1000 REZENSENT
Format:Taschenbuch|Verifizierter Kauf
Es gibt Bücher, da wundert man sich, wieso keine deutsche Übersetzung verfügbar ist. Dieses Buch ist ein solches.

Die Autoren stellen ein 9-Punkte-Programm vor, dass zu einer Verbesserung der Sichtweise auf Geld und Umgang mit selbigen führen soll. Dabei arbeiten sie sich von der grundsätzlichen Einstellung gegenüber Geld und Geldverdienen (sehr gut - die Entkopplung von Arbeit und Geld!) über eine praxisgerechte kleine Buchführung für zu Hause (inklusive monatlicher Bewertung) bis hin zu einer Entwicklung von Perspektiven, was wir alles tun können, wenn wir die finanziellen Grundlagen erreicht haben.

Einige weitere interessante Sichtweisen sind das Betrachten des "realen Stundensatzes", um damit alle Nebenkosten und Zeitaufwände einzubeziehen (darunter fallen dann auch Aufwände für Frustgespräche, Pendelzeiten, private/unbezahlte Weiterbildungen etc. pp.).

Ich finde dieses Buch durch und durch lesenswert und kann viele der gegebenen Hinweise in meinem Leben wiederfinden und einiges davon auch umsetzen.
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Die hilfreichsten Kundenrezensionen auf (beta) 4.2 von 5 Sternen  148 Rezensionen
401 von 416 Kunden fanden die folgende Rezension hilfreich
3.0 von 5 Sternen Ok, but not great 27. November 2009
Von Sachmo - Veröffentlicht auf
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.

The book does not tell you not to spend, but rather to be conscious of what you are actually spending, which is literally your life energy.

They have a "9 step program" but really it amounts to this:

1) Calculate your REAL net worth. All assets minus all debts. For many people its negative, because they have accumulated so much debt during their lifetime.

2) Become aware of your real hourly wage, and your spending patterns, and you will find that you naturally stop buying frivolous things. They recommend tracking EVERY single cent that you spend on goods. Pretty extreme, but I understand why. People in this program supposedly paid off seemingly large loads of debt in stunningly short time periods.

That's pretty much the gist of the book. The reason why I've given it 3.5 stars is because the manner in which this is all presented is not that great. The writing attempts to make the message seem very profound, when in fact it may not be so deep a truth as all that.

There is also a *LOT* of negative generalization about how everyone lives an over-stressed, under-paid lifestyle and it keeps coming up, over and over again in the book. It's this part that I really don't like. It probably all together takes up maybe 75 pages of the book, and it really only needs to be stated once. I think some brevity could have made this book really amazing, but it is still ok.

Finally, I strongly disagree with the investment chapter at the end of the book, and I think it will lead a lot of people astray. It recommends that you should only invest in long-term US treasury bonds that pay very marginal rates, because they are the only thing 100% guaranteed over time. A slightly "riskier" strategy is to invest in lifecycle funds.

Let me state plainly that to invest in only US treasury bonds would be akin to shooting yourself in the foot. Many things (like your job), are not 100% certain over long periods of time, and by using some common sense and effort you can do MUCH better than treasury bonds by making wise choices with index funds, stocks, bonds, and real estate.

Lifecycle funds are ok, but it is also perfectly ok to invest in stocks if you are willing to invest the time to do a little bit of research. "The Intelligent Investor" is the best book hands down for teaching you about stock selection and bonds, and I'd look there first if you are interested in learning about investing.
92 von 95 Kunden fanden die folgende Rezension hilfreich
5.0 von 5 Sternen Great book, creative & motivating ideas. 23. Januar 2010
Von Trinity the Voracious Reader - Veröffentlicht auf
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. It is also realistic in saying that we may have set back because there is nothing guaranteed with investment, but if we are conditioned to have control over our spending and income, we would be more confident in handling the setback.

This book is not an investment technique book, so if you are looking at a more technical way of managing your finance such as Asset Allocation by Gibson, you will not get it. This is also not like Needleman's book (Money and the Meaning of Life) that is philosophical. This book I would classify it as a hybrid between the psychology of money and the pragmatic ways of managing money so that you can reach financial independence. For me, the shift in thinking that I got from reading this book, made this book very very worth it.
57 von 61 Kunden fanden die folgende Rezension hilfreich
5.0 von 5 Sternen Your Money or Your Life - One of the best personal finance books I've ever read 7. Februar 2011
Von James Ryan - Veröffentlicht auf
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... A sort of self-induced slavery. We go to work everyday to "earn" money, which we then trade for the possessions in our lives. Since our materialistic society has us brainwashed into always wanting more, we gladly accept a mediocre existence of wage slavery in exchange. The more money we make, the more we buy - more cars, bigger houses, bigger TVs, more cable channels, etc. And the more we buy, the tighter the chains becomes. It's no wonder that we go through life in a walking daze.

In summary, you trade Life Energy for dollars, which you then use to buy things. If you buy the things that are fulfilling to you, and minimize wasteful spending, your life will almost immediately become more enriched. More fulfilled.

There is much more to this book than I've described, and it's well worth the money. I believe this book is a must read for anybody who is serious about becoming financially independent and living a fulfilled life.

Your Money or Your Life. I chose Life.
-James Ryan, PostponedLife com
23 von 25 Kunden fanden die folgende Rezension hilfreich
5.0 von 5 Sternen Grateful I read this in early 1990's/Changed our lives 28. Dezember 2010
Von MTRachel - Veröffentlicht auf
Format:Taschenbuch|Verifizierter Kauf
My husband and I read this book in the early 1990's and took it to heart. Consequently at ages 50 & 52, we have a home that is paid for, I work 16 hours a week, he works 24 hours week, and we have more than enough for anything we want. Of course, we don't want much, realizing the blessings we have in free time to enjoy the gorgeous outdoors in Montana without having to worry about being able to pay our bills. The hardest part was figuring out the medical insurance thing, but even that is addressed for now. So many are suffering from "affluenza" they don't even know why they are unhappy. This book has to potential to change your relationship with money for the best. Read it with an open heart and as more than just another finance book... Take what works for you and leave the rest, but it can make all the difference!
9 von 9 Kunden fanden die folgende Rezension hilfreich
5.0 von 5 Sternen Get it if you want to actually work to become financially independent 23. Januar 2012
Von Jonathan Krall - Veröffentlicht auf
Format:Taschenbuch|Verifizierter Kauf
I first read this book years ago and followed each of the steps. It changed my financial life. It spells out the steps that one needs to take to educate oneself about one's own finances and to improve those finances. This improvement comes about simply by making better choices. It is not all about guilt-tripping yourself into following a strict budget. It is instead about wisely spending time to get money and wisely spending money to get value. This book is also about self-discovery and simplicity--the idea that you can choose how fancy your life will be and can live life at that level while increasing your wealth and investments. That is, every improvement in income need not lead to a more expensive lifestyle. This is a choice and good choices are based on good information. The steps in this book are all about getting and using that information.

Ten years later I am still following the steps, still evaluating my spending in terms of both value received and my personal values, and am well on my way to a comfortable retirement. This book is not the best investment guide in the world, but it does have good basic information. What it is is a great program for spending and saving wisely. The challenge is that one needs to do the work to get the benefit. Anyone who wants quick, simple answers and easy solutions should avoid this book. If, however, you are willing to make a long-term commitment to financial intelligence and financial independence, you should seriously consider this book.

I bought this book again, for the 4th or 5th time, because I gave away my copy if it. I also wanted to read the updated chapters, which I liked.
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Money is something we choose to trade our life energy for. &quote;
Markiert von 64 Kindle-Nutzern
Life energy is all we have. It is precious because it is limited and irretrievable and because our choices about how we use it express the meaning and purpose of our time here on Earth. &quote;
Markiert von 50 Kindle-Nutzern
We have learned to seek external solutions to signals from the mind, heart or soul that something is out of balance. We try to satisfy essentially psychological and spiritual needs with consumption at a physical level. &quote;
Markiert von 49 Kindle-Nutzern

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