- Tapa blanda: 384 páginas
- Editor: Penguin Putnam Inc; Edición: 2 ed (1 de octubre de 2008)
- Idioma: Inglés
- ISBN-10: 9780143115762
- ISBN-13: 978-0143115762
- ASIN: 0143115766
- Valoración media de los clientes: 1 opinión de cliente
- Clasificación en los más vendidos de Amazon: nº14.932 en Libros en idiomas extranjeros (Ver el Top 100 en Libros en idiomas extranjeros)
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Your Money Or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Revised and Updated for the 21st Century (Inglés) Tapa blanda – 1 oct 2008
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"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 "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 "Your Money or Your Life is a wise book...I am thankful to Joe Dominguez and Vicki Robin for getting so much of this started, as are countless thousands of other people who are now more free than they could have otherwise been." -Mr. Money Moustache
"Now as never before, it's time to stop trying to 'get ahead' in a race that 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 and for your community and for your planet. Your Money or Your Life shows you how to make the shift." -Bill McKibben "If you want to invest in your financial future and (more importantly) your long-term happiness, I can't think of a better investment than Your Money or Your Life." --Brandon Ganch, "Mad Fientist" "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, bestselling financial author and host of the award-winning podcast So Money "[Your Money or Your Life] changed my life...I started believing that my life controlled my money. I began to see my life without the weight of debt and the need to chase a paycheck because I actually understood the path to get there." -Trent Hamm, "The Simple Dollar"
Reseña del editor
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 twenty-five 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" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling 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 show 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." -Los Angeles Times
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First 80 pages of the book are worthless and torture mostly focusing on the consumerism/doomed/horrible smog-infested society we live in, last two chapters most useful and can be read in a bookstore.
I did not like many examples given; it seemed to focus on divorce excessively with ~ 80% of case report examples of "FI-ers" being divorced which I found rather odd and unnecessary to mention.
Take home points of this book: Spend less than you earn, save, document every penny you spend, become a minimalist and only purchase things you need, the less you need the more fulfilled you will be, the less you will work, etc.
Things to consider:
1) The "FIer" lifestyle is not for everyone- I equate an "FIer" to the tiny home movement in principle.
2) Book recommends that bonds should be the mainstay and the only thing in your portfolio. I strongly would discourage this. "Safe" bonds which I pretty much consider anything that that is not a junk bond or preferred stock bond, are not hitting the high yields that Joe Dominguez saw in his day and on many years aren't comparing to rises in inflation. While you can never predict the stock market, when looking at time tables- it always goes up. Traditionally, stock markets rise while bond yields go down some and visa versa. The best way for security and safety is proper allocation to each of these modalities: bonds (treasury bonds are great as mentioned in the book because you aren't charged state taxes, however, what the book fails to remind you of is that federal taxes are still fair game) and diversified stock portfolio most safely done by investing in mutual index funds with low fees (e.g. Vanguard). The older you are, for safety, the more bonds you should have in case the stock market plummets during your retirement years. For conservatives a 60% mutual funds and 40% bonds is recommended. For a retirement person, 20% stocks and 80% bonds should be considered. When you have all your eggs in one basket, you lose that safety net.
3) Other things I disagree with in this book- everyone should have health insurance, you should not forgo this to "save" money; sure buy the less comprehensive plan if you are healthy and pay less and have a higher deductible but you are gambling when you forgo it all together.
4) They also suggest in this book "rolling-over" your 401k and 403b accounts to bonds; however, these are pre-taxed dollars and you will likely get slammed- most retirement plans now give options to the "risk" or rather stock/bond ratio you desire. I would more likely suggest rolling money to Roth IRAs (post-tax and therefore tax free with capital gains) or just leave your nest egg to compound growth where they are at.
Now I am ranting. Cheers.
The thing that drives me nuts is the book says that it took 25 years for the stock market to recover from the Great Depression. This is a lie, when you account for dividends and deflation it took 4.5 years to recover if you put a lump sum in at the absolute peak.
If you’re going to try and scare people at least be honest. Also if you’re going to pretend that 100% treasuries was a great idea in the 80s at least mention that a 60/40 stock bond blend would have blown it out of the water.
However there are some flaws with it number one being that I don’t believe that financial independence or the crossover point as it is called in the book is that easy to maintain once it is reached as several of the examples in the book spoke of people having to readjust their lifestyle when life changed which is something that we all know will happen.
Overall however I think tracking your money, seeing your money as your life energy, tracking your income versus expenses for a long period of time and using the three questions to see if you’re getting the best value both emotionally and in line with your values is excellent advice so I would recommend this book to anyone looking to improve their relationship with money.