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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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    2 out of 5 stars
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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.

3 of 3 people found this review helpful

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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.

10 of 12 people found this review helpful

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Great to remember what you are working for!

I'm completely fascinated now about the entire FIRE concept/ FI community. I just wish I had heard this and "Set for Life" 20 years ago. Sadly, my kids won't listen to my "self help/motivational" books.

This really is a great book, it makes you really think about why you are working, why and how you spend your money and your life energy....

1 of 1 people found this review helpful

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It Got Me To Take Action

Great book! It opened my eyes to a lot of things. I realized that there was a lot of money in front of me that I could've been saving. I've made a ton of changes since reading the listening to the book and will continue to make more. Thank you Vicki!

1 of 1 people found this review helpful

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Long, hard, uncomfortable and critical

This book made me uncomfortable for all the right reasons. Vicki breaks it down but keeps it simple at the same time.

Whether you want to be financially independent or just save a few bucks, this book is excellent.

1 of 1 people found this review helpful

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Wonderful information

The information in this book is fantastic and it has helped change my perspective on spending and saving money. However, I think I physical copy of this book or e-book would be more beneficial than the audiobook. I want to do the 9 steps now that I've finished, but have to click back to the different sections to find them.

1 of 1 people found this review helpful

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Great Information

This books is filled with great information. The only complaint I have is the narration is a little boring and the lady does not seem excited about the topic. The slowness and tone would make me feel sleepy.

1 of 1 people found this review helpful

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Simple to understand and very informative!

Ths book covers very detailed information on finances but also the greater meaning of life and happiness.

1 of 1 people found this review helpful

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life changer for sure.

I loved it. dove right in and never put it down. I'm going to reread it with my partner then pass it on to family and friends. thankyou.

3 of 4 people found this review helpful

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Transform your thinking about money

The listening experience isn't as nice as it could have been with a professional narrator, but the message is worth the listen.

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  • Amazon Customer
  • 09-26-18

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.

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  • Anonymous User
  • 09-20-18

Long winded.

Struggled to finish this book.... Would not recommend it, it's to too annual working through the most trivial matters.