Vicki Robin - Your money or your life: 9 steps to transforming your relationship with money and achieving financial independence

Praise for Your Money or Your Life

Ive read this classic book three timesfirst when I started my financial journey, again after I achieved financial independence, and once more after I retired at the age of thirty-four. Each time, it has revealed new gems that have helped me live a happier and more fulfilling life. If you want to invest in your financial future and (more importantly) your long-term happiness, I cant think of a better investment than Your Money or Your Life.

Brandon Ganch, Mad Fientist

Now as never before, its time to stop trying to get ahead in a race that is both fixed and futile, and figure out how to organize your life so that it can be your life. Your one precious life lived for yourself, for your community, and for your planet. Your Money or Your Life shows you how to make the shift.

Bill McKibben

Vicki Robins Your Money or Your Life offers readers the gift of meaningful, applicable advice so that they can achieve true financial independence on their terms. It is deservedly one of the most acclaimed and referenced financial advice books of our time and will undoubtedly continue that legacy for generations.

Farnoosh Torabi, bestselling financial author and host of the award-winning podcast So Money

Can you save your money and life? Yes, and Joe and Vickis approach offers even more. Those who use their money carefully generate incredible benefits beyond the obvious gains for themselves. First, their use of natural resources drops, since they consume far more thoughtfully: bonus point for the worlds ecosystems. Second, they may be able to work less: bonus point for other peoples employment opportunities. Third, they spend their money on necessary, worthwhile products: bonus point for the economy of goods, rather than that of bads. Fourth, they are freeing their time and are now able to spend time volunteering with nonprofits, playing with their own and others children, running for office, or just helping out where people are in need: bonus point for our communities. Fifth, they now have time to bring their dreams alive: bonus point for creativity, vibrancy, and joy. What are you waiting for?

Mathis Wackernagel, CEO, Global Footprint Network

Bless Penguin and Vicki Robin for re-releasing this timeless, exquisite, and classic work on our relationship with money. With clarity, incisiveness, and brilliance, Your Money or Your Life gives every reader, no matter what their circumstances, the keys to living a fulfilling and financially free life. This is one of the best and most truthful books you will ever read about money.

Lynne Twist, author of The Soul of Money

Most money books are full of the same trite tactics, tricks, and tips. This book blows past all of that to do whats most important: Radically transform how you think about, relate to, and ultimately use your money. If you read only one book about money, this book is it. Youll never see your money (or your life) in the same way again.

Jesse Meacham, founder of You Need a Budget

Your Money or Your Life is the rare book that is both map and compass. As we enter hard economic times, this visionary book provides eminently pragmatic and effective maps to reduce the costs of your life and increase your savings net. Of equal importance, its a compass that can guide you to your true valuesnonmonetary values such as community, friendships, and deeper relationships to your place and nature.

Kenny Ausubel, CEO and cofounder, Bioneers

Your Money or Your Life is nothing less than a clear and profoundly practical path to financial freedom. If you want to bring sanity, stability, and security into your money life, get this book and follow its advice. You will be very glad that you did.

John Robbins, bestselling author, president of the Food Revolution Network

Your Money or Your Life is a classic that has stood the test of time, and this new version adds much more to its already powerful value. In an era when conspicuous displays of wealth are promoted, even at the highest levels of government, we all need constant reminders that simplicity, frugality, community, and freedom from being possessed by our stuff are the best things in life.

John de Graaf, coauthor of Affluenza and Whats the Economy For, Anyway?

PENGUIN BOOKS

Your Money or Your Life

V ICKI R OBIN , author of Blessing the Hands That Feed Us and coauthor of the best-selling Your Money or Your Life, is a prolific and well-known social innovator, writer, and speaker. In addition, she has been at the forefront of the sustainable living movement, launching projects such as Sustainable Seattle, the 10-Day Local Food Challenge, Transition Whidbey, and the Center for a New American Dream. Robin has been featured in hundreds of media stories in various outlets, including the New York Times, NPR, The Oprah Winfrey Show, People, and many more. She lives on Whidbey Island, in Washington.

J OE D OMINGUEZ (19381997) was a successful financial analyst on Wall Street before retiring at the age of thirty-one by devising and following the step-by-step program presented here in Your Money or Your Life. His teaching also lives on through his audio course, Transforming Your Relationship with Money and Achieving Financial Independence (Sounds True). From 1969 on, he was a full-time volunteer and donated all proceeds from his teaching to transformational projects.

P ETER A DENEY , better known as Mr. Money Mustache, is an influential financial blogger who retired financially independent shortly after turning thirty, and now writes about how to live a frugal life of leisure.

PENGUIN BOOKS

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First published in the United States of America by Viking Penguin, a division of Penguin Books USA Inc. 1992

Published in Penguin Books 1993

Revised edition published 2008

This second revised edition published 2018

Copyright 1992 by Vicki Robin and Joe Dominguez

Copyright 2008, 2018 by Vicki Robin

Foreword copyright 2018 by Peter Adeney

Penguin supports copyright. Copyright fuels creativity, encourages diverse voices, promotes free speech, and creates a vibrant culture. Thank you for buying an authorized edition of this book and for complying with copyright laws by not reproducing, scanning, or distributing any part of it in any form without permission. You are supporting writers and allowing Penguin to continue to publish books for every reader.

Portions of this work first appeared in Joe Dominguezs audiotape course and workbook titled Transforming Your Relationship with Money and Achieving Financial Independence.

Purpose in Life test reprinted by permission of Psychometric Affiliates.

Ebook ISBN 9781101539705

LIBRARY OF CONGRESS CATALOGING-IN-PUBLICATION DATA

Names: Dominguez, Joseph R., author. | Robin, Vicki, author.

Title: Your money or your life : 9 steps to transforming your relationship with money and achieving financial independence / Vicki Robin and Joe Dominguez ; foreword by Mr. Money Mustache.

Description: Second revised edition. | New York : Penguin Books, 2018. | Includes bibliographical references.

Identifiers: LCCN 2017060645 (print) | LCCN 2018002920 (ebook) | ISBN 9781101539705 (e-book) | ISBN 9780143115762 (pbk.)