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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

Critic Reviews

"The seminal guide to the new morality of personal money management." (Los Angeles Times)

"Vicki Robin wrote the book on retiring happy. Now a whole new generation is taking her advice. [She is] the millenial money whisperer." (Money Magazine)

“Vicki Robin’s 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, best-selling financial author and host of the award-winning podcast So Money

Featured Article: 20 Best Finance Audiobooks for Amateurs and Masters Alike


Whether you’re a complete newbie or a seasoned investor, there’s sure to be a finance audiobook that will provide you not only with helpful, interesting information, but also with a listening experience sure to keep you engaged and focused. We’ve cultivated everything you need to get started, from long-term investing principles to increasing your overall net worth in big ways, with this list of the 20 best finance audiobooks from our catalog.

What listeners say about Your Money or Your Life

Average Customer Ratings
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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.

133 people found this 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.

74 people found this helpful

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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.

19 people found this helpful

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Better than any debt free book to date

I've read all kinds of debt freedom books out there. All off them have the same basic after line. Put a budget together and track everything you spend! From there you work to eliminate any debts you have in your life. At the same time you're investing and saving. Nice and it works.

Here you learn to look at your money as you spend it by eliminating budget categories. By doing this I saw where I could cut $200-$300 from my budget! That is a huge number when you break down what that would do to a bill if added to the current payment. Alone I can be free of student loans Oct 2019!

The author also takes a minimalist approach to life which I feel great about! I had to downsize to move giving up 50% of what I owned by donation it selling it. I love not having a lot! what to do with it all was annoying when it was in my house! Now I have lots it's space and want to get rid of more of it!

Then the book takes you into how to track your wealth and where you're at I in the whole process!

I really enjoyed this book and will lead it again

7 people found this helpful

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A new Money headspace

If you want a completely different look at money work and how we meaningful changes, stick with this book. A significant portion of the book is focused on social and evironmental issues and values. I could see people having trouble with this part, but I feel the solutions proposed are practical and refreshingly individualized. In fact the steps in themselves are easy and straightforward. The true value is how many ways they can be applied.

7 people found this helpful

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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.

15 people found this helpful

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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.

18 people found this helpful

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Start here!

Start here, find your why, there is more than personal finance and budgeting here.

This book speak volume about lifestyle and life choices.

I read this one twice already.

5 people found this helpful

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boring boring boring

boring
then it went off on a tangent about consuming Earth's resources and being green. had to shut it off.

4 people found this helpful

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Just buy and learn

Great book. Lots of practical advice of stuff you already know you should be doing. I like how the author breaks down the steps to help you along the way and hey “no shame no blame,” get on your way.

4 people found this helpful

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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.

13 people found this helpful

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  • slipperychimp
  • 03-28-19

Practical but obvious

I think this book is geared towards those caught in a consumer/debt cycle. It does contain practical steps which can be implemented, no doubt, but if you have any sense then I can guarantee you’re doing most of them anyway.

If this is the first book you came across on Financial Independence and aren’t doing simple things like tracking your expenditure & income, then this is the book for you. Personally though I found Rich Dad Poor Dad more useful as it’s geared towards changing your whole thinking and approach to managing money.

9 people found this helpful

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  • Toby
  • 08-04-19

Bored after two hrs

This is more of a well being mindset book over a functional finance book, I got bored after the first two hrs and had to stop. Also Should have paid for someone to narrate rather than doing it herself.

4 people found this helpful

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  • Nure
  • 09-20-19

Talk talk talk.

talk talk talk talk and more talk and nothing else than talk. Invest you money and your time somewhere else.

3 people found this helpful

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  • Anonymous User
  • 07-23-19

Much more basic than I was expecting

Quite dated and not really that useful if you already have some basic financial knowledge.

3 people found this helpful

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  • Stanley Impkiss
  • 11-07-19

Sensible but a slog to get through

I enjoyed the reasoning and rationale behind the approach, but found the voice and performance exceptionally irritating and slow. Very repetitive and over emphasising...very Amarican. This book could have been a third in length. I have no doubt though that the content is solid and will help loads of people

2 people found this helpful

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  • Xeon333
  • 12-11-19

Good book but unnecessarily long

Very US biased but principles which can be used globally. Everything is explained with quite a lot of examples which can seem a bit unnecessary at times. Great book for understanding the basics but in my opinion could have been condensed into about 2 hours from 12.

1 person found this helpful

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  • Barbara
  • 08-09-22

Amazing book

So much information in details , I will definitely listen it again or even read the book to fix better those information.

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  • BestEver
  • 05-09-22

Very boring

A very boring and dull book, they seem to talk about the most random topics for 2 hours in a chapter, when the point could have been made in one sentence! I know all books do this, but this really takes the cake, this is just completely ridiculous. I normally love listening to finance books as I’m going to sleep as they’re interesting enough but also not overly stimulating so my mind can relax when I’m going to sleep, but with this book even as I’m falling asleep I’m wondering what the heck I’m listening to, it’s literally complete waffle and I find myself skipping chapters hoping that something new would be said, but always to no avail.

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  • Andi
  • 01-06-22

Good concepts

Overall some good concepts. Makes you reflect more about effectively using money as a tool.

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  • Scripturient
  • 03-10-19

A few good aspects but there is better out there

There is some genuinely solid advice for transforming your relationship with your finances here although I suspect the extensive note-taking and graph-making would be too impractical for most readers to actually maintain over the long haul. In order to really get the most from this book you will need to fully commit to tracking your data. From my perspective, this text is overly long, very repetitive, and way too focused on American practices and systems.

The reading by the author was obviously impassioned but I found the accent grating after a very short amount of time and the frequent issues with delivery were quite distracting (e.g. there are a number of verbal 'stumbles' that you would have expected a decent producer to address).

3 people found this helpful

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  • Anonymous User
  • 12-30-19

For new budgeters only

I liked how this book touched on the psychology of spending as some finances books can be very black and white and don't include this aspect. I feel the book is for people diving into finance for the first time and these concepts might be valuable for them. I found the author made her point early on and I understood what she was saying but then she continued to iterate her point throughout the book which I felt she didn't have to do. If you have dived into your budget and know the basics about finance I feel this isn't the book for you.

1 person found this helpful

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  • Devesh naik
  • 11-17-21

Perfect for someone who is struggling with day to day money management

I tried reading the physical copy of the book in the beginning of 2021 but instantly thought it was book about how you can live a frugal life and how to save money by not spending it at all. I stopped reading it since. Again Nov 2021 i came across the audiobook version on audible and i just finished the book. I have to be honest it is a great tool for anyone struggling to manage their expenses or live from paycheck to paycheck.

I had a lot of moments of realisation about things that the author speaks about that i was doing wrong. Being from an accounting background a lot of the stuff was instantly understandable for me. Although i read a few reviews before starting that the author speaks about bonds as a medium of investment. That is not fully true. In the updated version the author does mention that bonds as a way of investing is no longer efficent and that ETF’s and property or individual stocks are way better nowadays. But there is not much focus on investing in general.

The main focus of this book is to try and get you to realise how much money you are wasting away on things that make zero to very little difference in your life and how people get so busy in day to day life that they end up with no money saved and the big question “Where did all my money go?”

I would recommend this book to anyone who is struggling to create a financial budget for themselves and to live within their means.

If you are interested in books on investing and stock market then this book is probably not the best book for you.

  • Overall
    5 out of 5 stars
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  • Rowan
  • 09-24-21

Worth listening to

The book contains straight forward exercises and suggestions, which are relatively easy to put into practise.

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  • Peter Burgess
  • 09-12-21

must for all ages - Understand money in your life

multiple light bulbs moments throughout the book. clearly opens your mind to your relationship and lack of education about money in your life. wish I had learnt this 30 years ago, I would have 'enough' now. some useful tracking tools supplied as well.

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  • Anonymous User
  • 08-10-21

Too much waffling

This book takes far to long to get to the program, chapter 6 still talking about the program but not the actuals, just how good this program is.

Don’t recommend the purchase.

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  • Mat
  • 07-26-20

Good book for those who have no control.

I enjoyed this book, I had heard a lot about it and was excited to listen to it.

I did find it quite repetitive and no new information for me. Although I have practiced a lot of these ideas from a young age. I did think of several people I know who should certainly read it as they have no control over their finances, and this book is ideal for that audience.

Overall I thought it was well written and plenty of excellent concepts, but felt like I spent several hours listening to things I already knew (so nothing against the author, I just didn't enjoy it as much as I hoped I would).

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  • Anonymous User
  • 07-15-20

loved this!!!

I will definitely be rereading this book in the near future. so good I couldn't put it down.

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  • Anonymous User
  • 05-28-20

Excellent and life changing

amazing, amazing book. buy to listen, and relisten again and again. I learnt so much!!! about to relisten again. a book that truly delivers on ETHICS, SUSTAINABILITY, WEALTH CREATION, PRACTICAL KNOW HOW. so good. wish I'd been exposed to this book sooner. thankyou Vicki Robin

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  • Anonymous User
  • 02-09-20

Excellent Advice

Excellent Advice that should be taught as a mandatory subject to every person during the later schooling years, this is as important to all young people's education as sexual education, both have the ability to make the later years significantly more enjoyable.