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PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin


Right Turns: From Liberal Activist to Conservative Champion in 35 Unconventional Lessons

free read ´ eBook or Kindle ePUB í Vicki Robin

Isn t about budgeting It is about getting satisfaction out of life A uestion the authors keep posing is If you knew getting satisfaction out of life A uestion the authors keep posing is If you knew were going to die next year how would you spend that time I m keeping this book to read and reread ust to keep reminding myself to follow the steps and know I don t need extra clutter to worry about I don t want to keep up with the Kardashian s I want financial freedom and to save money not be a penny pincher and deny things I need be a penny pincher and deny myself things I an eye opener and lots of facts Not a get rich uick scheming or invest in this or that kind of book I would recommend it to people that see money is not happiness It is Paradox Bound just a means to pay the bills or be in a big amount of debt Western culture is too materialist and looked down upon if one doesn t have the latest gadget or a mortgage with a car payment you cannot afford I really appreciated the advice and POV of the 2 authors Reader beware the contents of this book mightust shake the foundations of your lifeit did for me Easily the most lucid insightful and valuable book I ve read on money Probably because when it comes down to it the book is not really about money It s about what we re trading our life energy for The book had such a spiritual component to it that I was tempted to add it to my Buddhism bookshelfOne thing I gained from the book was an incentive to organize our finances from a total net worth perspective not ust budgeting from paycheck to paycheck Also charting income vs expenses I ve found that mintcom is a very effective site for accomplishing the goals the book lays outThe book makes a strong case for not identifying your definition of yourself with your ob For me personally this was probably the greatest single insight the book provided It made me realize how much I ve done STFU, Parents: The Jaw-Dropping, Self-Indulgent, and Occasionally Rage-Inducing World of Parent Overshare just that As the author says who you are is far greater than what you do for money and your true work is far greater than your paid employment I thought this was a pretty powerful uoteIndeed in terms of sheer hours we may be wedded to ourobs than our mates The vows for better for worse richer or poorer in sickness and health and often until death do us part may be better applied to our obs than our wives and husbandI suppose my only gripe with the book is the utopia of financial independence it paints where a person is able to live off the interest from their investments Although they make it sound like such a future can be right around the corner as someone with a pretty substantial amount of student debt I ran some numbers and barring an unforeseen windfall that possibility is a loooong way off for us But even aside from the focus on the financial euivalent of enlightenment there is so much wisdom in this book both practical and philosophical that I would recommend it to anyone YMYL was recommended to me by a friend who gave up her stable teaching position to run a used bookstore after reading this book This was my first foray into the self help genre The prose is laughably hokey at the most inopportune times but the message is worth slogging through the mantras and the affirmations Plus the nine step program actually works if you re willing to commit to it I started out skeptical with a step I thought I could stick to keeping track of my spending and became curious about the rest of my financial health from there By the time a year and a half later I faced the last maudlin step calculating how much time you have left in your life I found it so thoroughly shocking in my case less than half a million hours based on average life expectancy that I realized staying in a ob that made me miserable wasn t worth it so I uit I guess in that sense this book delivers on its hokey promise to change your life I could and will read and re read this book not for its literary value but for its simple explanations of concrete ways to observe your own connection with the material world Whether or not you fully practice its program it is the sanest and most convincing account of the importance of financial savvy for those of us who proclaimed Money and fancy material things don t matter to me so why should I try to manage my finances Its message from ten years ago rings truer today than it did now and I think my own generation will even appreciate its message I m not a big self help book reader Yet Syncopated: An Anthology of Nonfiction Picto-Essays just the act of seriously studying this book and hence becoming intentional with my finances has relieved me of debt anxiety about money made me in touch with what is really valuable andoyful to me and inspired me to look toward a career as a financial counselor I would recommend this book to all my friends for it surely has lessons for everyone. Nds and a great publicity campaign will bring this already strong selling book to a whole new audien. ,

Nite amount of time on the planet5 Make a line graph with your findings so you can t deny your income and your expenses6 Value large line with your findings so you can t deny your income and your expenses6 Value so you can t deny your income and your expenses6 Value life energy minimize spendingAs Elizabeth Warren observed in The Two Income Trap this is easier said than done7 Value your life energy maximize incomeI suspect this step is easier said than done as well8 This step covers Capital and the crossover point when does your money start earning than your ob9 What to do with your money outdated advice about how great US treasury bonds areTo a certain extent I enjoy savings than spending so Your Money or Your Life is preaching to the converted for me I think cost tracking is essential when it comes to saving money and that Target and the mall are about the worst places on earth to pass timeHowever kids throw a thought provoking monkey wrench into Your Money or Your Life s strategies When you talk about extreme thrift surely you can put art classes play basketball Little League mini soccer ice skating and skiing on the chopping block However you only live once In that life how do you balance fun with saving How much should you sacrifice for your children One of the few child related anecdotes in Your Money or Your Life involves a man whose parents paid for his college but decides his kids are on their own With dilemmas like that you get into the thorny uestion of values What do you want your kids to expect out of life At the same time as a parent it s your life tooWith that in mind I ve heard MMM s and Your Money or Your Life s strategies derided as Live like you re poor now so you can live like your poor laterThere s the rub Your Money or Life notes that you only live once you don t want to spend your life working a ob you hate to buy stuff you don t need But you could also say you only live once you don t want to live like a pauper and die with 1 million in the bank How you strike that balance depends on your goals and values I m kind of sueamish about the 5 stars I m giving this because I don t think this is a well written book The tone is nearly unbearable at times think of the most stereotypical motivational speaker you ve ever heard However the ideas in this book are impressive and I find myself thinking about them rather against my will even 3 years after having read the book Part of my struggle with this book is that I actually love my work so trying to hurry up and earn my money so that I can retire What a Lass Wants just isn t that appealing However there s a cycle of spending that I can get hooked into where I m blowing hundreds of dollars in 3 5 dollar increments Reading this book helped me interrupt that cycle Not that I don t still go there mind you Iust have some alternatives now for getting out of it The unexamined life is not worth living for a human being SocratesThis book is very challenging In the sense that it is actively challenging the reader to basically change her entire life It s not the typical finance book that gives tips and tricks and you can pick among them for those that are easy to work into your life you know the drill cancel cable done what kind of wastrel pays for cable move somewhere cheaper let s not get too crazy I love this neighborhood This book tells you to track what you re spending not to find easy things to cut out but to ask yourself about every purchase was this worth what I paid for it in terms of the life energy it takes me to earn that amount of money Is this purchase aligned with my values What is the effect of this purchase upon the environmentEarth And even as I tell myself Of course This is how you re supposed to live your life I m i My book had 300 pages I took a month to read this bc I wanted to absorb the book and think about the lessons It keeps stating NO BLAME NO SHAME which I really appreciate I used to be a I want this I ll buy it kind of person I grew up with immigrant parents working so hard to get all 4 of their children ahead by hard work on their part Money seemed to be important than bonding Not a boohoo story ust the truth I appreciate my parents hard work and love them but I also grew up with their habits and views on money I have had to reprogram my brain and do different for my kids without depriving us of anything Just looking at things differently This book has made me look at advertising and oy differently I see that my buying things Mexican Hooker just bc I can I am using my husbands life energy into the euation and ruining the planet at the same time He will soon be forty and the way he works he hasust over 300000 hours left to live It ust helps put our lives into a different prospective We aren t big spenders but we each have our little habitsThe book. Ng a life Your Money or Your Life is even relevant today than it was when the book first hit the sta. What a bunch of life
energy wasted reading 
wasted reading This is the first PersonalMBA Reading List Book reading list book have read The information that I found most intersting and insightful was You have made a lot of money in your life look around your home go through your stuff what do you have to show for it The act of earning money is using your life energy therefore money life energy Do you like what you are doing Could you be doing something you love and be happier if your finances were in order and you appreciated living in a state of enough When you buy something buy high uality and take care of it to prolong its life Fix your stuff do it yourself learn how to take care of your things so that you don t have to keep rebuying everytime something breaks Pay off your debts Live on less than you make Save money Keep building your savings so that one day your capital earned on your savings can take the place of your work income than decide if you want to keep working or not Investing in index funds and treasury bonds Index funds focus on tracking the market and not on beating it Index funds are not managed by expensive managers and tend to have low fees By saving on fees as compared to mutual funds your money can grow faster and you can have money in the end I read this book in my early 20s when I had zero money and zero idea what to do with any if I had it and it blew my mind 15 years later I am retreading it and find it ust as compelling Guides you gently gingerly into reevaluating you preconceived notions about money how much is enough and whether you really want to work in a conventional ob track for 30 years hint if you don t there are other options The basic idea is that every day you go to work you are choosing to trade your precious limited life energy for money So if you are spending it unconsciously on crap you aren t fully enjoying or a bigger housecar if you are spending it unconsciously on crap you aren t fully enjoying or a bigger housecar you really need then you are effectively trading away hours of your life If you love your ob and you love accumulating stuff then great But if you dream of doing other things with your life than staring at your monitor at work or even if you love your Suspicion at Seven: A Lois Meade Mystery job but would do it differently if money weren t an issue this book is for you Cornily written but the sincerity of the writers and value of the message supersede that 10 times over This book s most popular review is surprisingly negative 35 stars I agree with the 5 star Goodreads evangelists That said I have a few ualms with the book It s dated and freuently redundant Like most personal finance books it s full of suspicious stories The Epilogue summarizes in 9 pages what has been beaten to death in the previous 327At one point the author talks about being financially secure whether the Dow is under 1000 or above 4000 When the book was copyrighted in 1992 1000 was a crash and 4000 was ambitious As of 1162015 the Dow stands at 1751157 up about 450% since 1992 so the book s stock market wariness is exaggerated Also its advice to buy long term US treasury bonds is terrible The present interest rates on those bonds is pathetic 269% on a 30 year bond Read in 2015 Chapter 9 which describes 6% US treasury bonds reads like a uaint historical documentThe other chapters though they occasionally make redundant arguments are valuable In essence the book advocates extreme thrift in an effort to get off the consumerist treadmill The goal is to live modestly and be time rich rather than to live large and be time poor It makes the compelling case that to always want something better is a recipe for perpetual unhappiness To uote Lao Tzu He who knows he has enough is richThe book is sort of like an early 90s version of Mr Money Mustache who actually posted an excellent review of the book Your Money or Your Life proposes a nine step programStep 1 Tally up all the money you ever made look around you and see what you have to show for itThis is sort of dispiriting step because you don t have anything to show for paying the rent2 Recalculate your salary to show how much life energy is devoted to yourob Track every cent you spendThis is a useful step showing how commuting time and money buying work clothes and eating out add to the cost of working for a living It s also helpful in showing where all the money goes3 Tabulate your findings Show spending in terms of life energy spentAn illuminating step4 Did you like what you boughtThe book uses the phrase gazingus pin as a term for something you enjoy buying but don t needMy gazingus pins are Legos and DVDs Who knows how many unopened cheap DVDs I ve bought Your Money or Your Life would argue DVDs you don t open aren t worth your life energy You only have a fi. In times like these it's important than ever to know the difference between making a living and maki. Your Money or Your Life


10 thoughts on “PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

  1. says: PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin read Your Money or Your Life I could and will read and re read this book not for its literary value but for its simple explanations of concrete ways to observe your own connection with the material world Whether or not you fully practice its program it is the sanest and most convincing account of the importance of financial savvy for those of us wh

  2. says: PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin I'm kind of sueamish about the 5 stars I'm giving this because I don't think this is a well written book The ton

  3. says: PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    read Your Money or Your Life PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin free read ´ eBook or Kindle ePUB í Vicki Robin YMYL was recommended to me by a friend who gave up her stable teaching position to run a used bookstore after reading this book This was my first foray into the self help genre The prose is laughably hokey at the most inopportune times but the message is worth slogging through the mantras and the affirmations Plu

  4. says: PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    read Your Money or Your Life PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin free read ´ eBook or Kindle ePUB í Vicki Robin This book's most popular review is surprisingly negative 35 stars I agree with the 5 star Goodreads evangelists That said I have a few ualms with the book It's dated and freuently redundant Like most personal finance books it's full

  5. says: Vicki Robin í 3 summary free read ´ eBook or Kindle ePUB í Vicki Robin PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    Vicki Robin í 3 summary PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin Reader beware the contents of this book might just shake the foundations of your lifeit did for me Easily the most lucid insightful and valuable book I've read on money Probably because when it comes down to it the book is not really about money It's about what we're trading our life energy for The book had such a spiritual component to it that I was tempted to add it to my Buddhism bookshelfOne thing I gained from the book was an incenti

  6. says: read Your Money or Your Life PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    read Your Money or Your Life PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin I read this book in my early 20s when I had zero money and zero idea what to do with any if I had it and it blew my mind 15 years later I am retreading it and find it just as compelling Guides you gently gingerly into reevaluating you preconceived notions about money how much is enough and whether you really want to work in a conventional job track for 30 years hint if you don't there are other options The basic idea is

  7. says: PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    Vicki Robin í 3 summary free read ´ eBook or Kindle ePUB í Vicki Robin read Your Money or Your Life My book had 300 pages I took a month to read this bc I wanted to absorb the book and think about the lessons It keeps stating NO BLAME NO SHAME which I really appreciate I used to be a I want this I'll buy it kind of person I grew up with immigrant parents working so hard to get all 4 of their children ahead by hard work on their part Money seemed to be important than bonding Not a boohoo story just the truth I appreciate my parents' hard

  8. says: read Your Money or Your Life Vicki Robin í 3 summary free read ´ eBook or Kindle ePUB í Vicki Robin

    Vicki Robin í 3 summary free read ´ eBook or Kindle ePUB í Vicki Robin PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin This is the first PersonalMBA reading list book I have read The information that I found most intersting and insightful was You have made a lot of money in your life look around your home go through your stuff what do you have to show for it?

  9. says: read Your Money or Your Life free read ´ eBook or Kindle ePUB í Vicki Robin Vicki Robin í 3 summary

    read Your Money or Your Life PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin free read ´ eBook or Kindle ePUB í Vicki Robin The unexamined life is not worth living for a human being SocratesThis book is very challenging In the sense that it is actively challenging the reader to basically change her entire life It's not the typical finance book that gives tips and tricks and you can pick among them for those that are easy to work into

  10. says: PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin

    read Your Money or Your Life Vicki Robin í 3 summary PDF DOWNLOAD [Your Money or Your Life] AUTHOR Vicki Robin What a bunch of life energy wasted reading this

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