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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 (40 ratings)

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Publisher's 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

What members say

Average Customer Ratings

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    4 out of 5 stars
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    4 out of 5 stars

Great tools and Overview of conepts

This was a great book to listen too on my commute, concepts and tools explained very well. I learned a few new things and will definitely be putting some of these tips in to practise.

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Find comfort with money

This book changed my relationship with money through some of its ideas on how to measure your life's earnings. Definitely worth reading.

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Such a great book

I really enjoy that book , one of the best on the market for personnal finance ! Just do it !

0 of 1 people found this review helpful

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I learned a lot

Found it very helpful. learning to be more frugal. A great read that I highly recommend!!

0 of 1 people found this review helpful

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Amazing book!

I was waiting for this book's audio version for some time and it did not disappoint. It's gives a totally different perspective from other finance books that I read before. As I want to be financially independent and to retire early in the future there is so much to take away from this book and to apply in your daily life. I will definitely reread this book a couple of times as so much valuable information is in there. Thanks #Audible1 for always providing great book selection for your subscribers.

0 of 1 people found this review helpful

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way too long!

while the elements abd the strategies in the book are good, some of the stories could have been omitted to shorten the 11 hours of audio.

0 of 2 people found this review helpful

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  • Tristan
  • 2018-09-24

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
  • 2018-09-03

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.
  • 2019-03-26

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
  • 2019-04-27

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
  • 2019-03-18

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
  • 2019-03-13

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
  • 2019-03-08

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
  • 2018-11-04

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
  • 2019-03-05

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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    4 out of 5 stars
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  • Anonymous User
  • 2019-02-25

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

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  • M. GONZALEZ
  • 2018-10-02

Don't recommend at all

If we add a ghastly performance (I wanted to stop listening as soon as I started because of the voice tone and general pronunciation) to some empty content (doesn't give any really helpful tips, in my opinion) and to the fact that half of the book is just repeating the same concepts over and over and over, we get a "Don't recommend at all".
Sidenote: May help if you're a COMPLETE mess financially; otherwise, you will lose oh so many hours of your life...