作者:
Vicki Robin
/
Joe Dominguez
/
Monique Tilford 出版社: Penguin Books 副标题: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Revised and Updated for the 21st Century 出版年: 2008-12 页数: 368 定价: USD 16.00 装帧: Paperback ISBN: 9780143115762
"The seminal guide to the new morality of personal money management" ( Los Angeles Times (on the first edition))
In an age of great economic uncertainty when everyone is concerned about money and how they spend what they have, this new edition of the bestselling Your Money or Your Life is an essential read. With updated resources, an easy-to-use index, and anecdotes and exa...
"The seminal guide to the new morality of personal money management" ( Los Angeles Times (on the first edition))
In an age of great economic uncertainty when everyone is concerned about money and how they spend what they have, this new edition of the bestselling Your Money or Your Life is an essential read. With updated resources, an easy-to-use index, and anecdotes and examples particularly relevant today-it tells you how to:
• get out of debt and develop savings
• reorder material priorities and live well for less
• resolve inner conflicts between values and lifestyle
• save the planet while saving money
• and much more
In Your Money or Your Life , Vicki Robin shows readers how to gain control of their money and finally begin to make a life, rather than just make a living.
Financial independence is the experience of having enough -- and then some. Enoufh, you will remember, is found at the peak of the Fulfillment Curve. (查看原文)
看完以后有点明白很多读者的frustration。道理浅显易懂。记账,frugal,根本上节流。开源。什么时候FI呢,investment income>expense。your time and you life energy also count. 分明能感觉广大受众是overspend,债务累累,毫无saving的美国人民
看完以后有点明白很多读者的frustration。道理浅显易懂。记账,frugal,根本上节流。开源。什么时候FI呢,investment income>expense。your time and you life energy also count. 分明能感觉广大受众是overspend,债务累累,毫无saving的美国人民
《要钱还是要生活》的英文原版Your Money or Your Life初版于1992,近三十年来,书中的观点并没有变得陈旧过时,反而不断地得到越来越多人的认可。 三十年间,这本书经过修订再版,紧密地随时代共同成长。在“美版豆瓣读书”的Goodreads平台上,已经有超过2万名读者发表读书的...
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Entertainment-1 Stars Education- 1 Star Readability- 1 star Innovation- 1 Stars Inspiration- 1 Stars This book really makes you re-examine what it means to have money. It will make you change the way you look at earning money and the way you look at s...
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Take-Aways It’s important to figure out how money functions in your life. Without an accurate picture of how your money flows, you will not be able to foresee a time in the future when your dreams are affordable and attainable. "Consumerism" is a way to di...
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/ 4 Perspectives of Money / ❤️The Practical, Physical Realm more, better or different ❤️The Emotional/ Psychological Realm money as security, power, social acceptance, evil, etc. ❤️The Cultural Realm growth is good, more is better we judge...
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Money is what you trade your life energy for. 其实较真应该是employment income是what you trade your life energy for。still,这个说法还是比较powerful的。 对于financial independence的定义也更高层了一些,从fulfillment的角度来看,而不是从cover日常开支的角度来看。幸福感和拥有的钱并不一定成正相关,到达一定的饱和反而会下降。而找到这个平衡的点并且保持住应当是goal的一部分。 Financial independence is the ...
2018-12-30 09:44:197人喜欢
Money is what you trade your life energy for. 其实较真应该是employment income是what you trade your life energy for。still,这个说法还是比较powerful的。
Financial independence is the experience of having enough -- and then some. Enoufh, you will remember, is found at the peak of the Fulfillment Curve.引自 全书
Did I receive fulfillment, satisfaction and value in proportion to life energy spent?
Is this expenditure of life energy in alignment with my values and life purpose?
How might this expenditure change if I didn't have to work for a living?引自 全书
喜欢这段:frugal是joy-to-stuff ratio高。不需要太多possession就让自己高兴。有一个西班牙语单词Aprovechar,意思是物尽其用,无论是阳光明媚的午后还是剩饭烩饼都是可以好好利用享受。enjoy一个物品不一定是要拥有它,we merely have to use it. 没必要喜欢的东西就非得own,让东西能够自由flow其实更好。
It's getting full value from life, enjoying all the good that each moment and each thing has to offer.引自 全书
是建议我们把work和paid employement分开,work是任何让我们觉得productive或者purposeful的activity,paid employement就不过是one of many。不应该把糊口和sense of meaning, purpose and fulfillment混为一谈。
Breaking the link between work and money allows us to reclaim balance and sanity.引自 全书
Our fulfillment as human beings lies not in our jobs but in the whole picture of our lives -- in our inner sense of what life is about, our connectedness with others and our yearning for meaning and purpose. By separating work and wages we bring together the different parts of ourselves and remember that our real work is just to live our values as best we know how. In fact, mistaking work for wages has meant that most of our "jobs" have gotten neither the attention nor the credit they deserve -- jobs like loving our mates, being a decent neighbor or developing a sustaining philosophy of life. When we are whole, we don't need to try to consume our way to happiness. Happiness is our birthright.引自 全书
重新面对工作的态度:好好工作,负责,正能量,为自己的工作骄傲,和老板同事好好合作,为的不是别的,而是value自己的life energy,让它well spent。you value your life energy because you value your life.好好工作是因为自己想做一个君子,无论坐什么都commit to integrity。这样做了涨工资自然而然地就来了,也更好地向FIRE前进了一步。
You'd be surprised at the degree to which job satisfaction lies in the worker, not in the work.引自 全书
第七章当是全书精华
Step 7 is simply "valueig your life energy and increasing your income" -- since the only purose of paid employment is getting paid. You do this not out of greed or competition but out of self-respect and an appreciation of life. As a by-product you might well find yourself with less debt, more savings, more free time, more energy on the job, more energy off the job, more satisfied clients, a more satisfied family and more peace of mind.引自 全书
总结就是通过珍惜自己的life energy来增加income,"exchange it for the highest pay consistent with your health and integrity."
Chap8
Ahtor Edwared Abbey is reported to have said, when asked about his career, "I don't have a career, I have a life." Once you are out of the nine-to-five straitjacket, you too will have a life. Rather than climbing a career ladder, you will be following the promptings of your heart and mind -- and may find yourself on some side roads that are more interesting and enjoyable than any "job" could have ever imagined.引自 全书
Your Money or Your Life Vicki Robin Introduction it’s never too late to shift to a more frugal way of life In the richest country in the world, we can barely save a dime temptation to overspend is everywhere Okay, let’s fix this mental glitch health care (which I like to call sickness care because really, the system does nothing to keep us healthy) 4 - HOW MUCH IS ENOUGH? THE NATURE OF FULFIL...
2021-12-23 13:01:16
Your Money or Your Life
Vicki Robin
Introduction
it’s never too late to shift to a more frugal way of life
In the richest country in the world, we can barely save a dime
temptation to overspend is everywhere
Okay, let’s fix this mental glitch
health care (which I like to call sickness care because really, the system does nothing to keep us healthy)
4 - HOW MUCH IS ENOUGH? THE NATURE OF FULFILLMENT
For many of us, however, “growing up” has meant outgrowing our dreams.
7 - FOR LOVE OR MONEY: VALUING YOUR LIFE ENERGY—WORK AND INCOME
Some of us honor our jobs and neglect the rest of our lives. Others of us endure our jobs and make up for it on the evenings and weekends. Some of us love our work—or did once and hope to again—but find our personal vision constrained by boards, supervisors, funders or investors. In any of these cases, we end up with half a life.
This book, being about work, is, by its very nature, about violence—to the spirit as well as to the body. It is about ulcers as well as accidents, about shouting matches as well as fist-fights, about nervous breakdowns as well as kicking the dog around. It is, above all (or beneath all), about daily humiliations. To survive the day is triumph enough for the walking wounded among the great many of us.
For most of human history, people only worked for two or three hours per day. As we moved from agriculture to industrialization, work hours increased, creating standards that label a person lazy if he or she doesn’t work a forty-hour week.... Thevery notion that everyone should have a job only began with the Industrial Revolution .6
preached that leisure is a “commodity” to be consumed rather than free time to be enjoyed
Instead of wolfing down fast food alone at your computer, this movement suggests that eating is far more than fueling the body for the next leg of the rat race—but rather a time of conviviality, pleasure and conversation. In short, it’s civilizing.
Because life outside the workplace has lost vitality and meaning, work has ceased being a means to an end and become an endin itself.
So here we are in the twenty-first century. Our paid employment has taken on myriad roles. Our jobs now serve the function thattraditionally belonged to religion: they are the place where we seek answers to the perennial questions “Who am I?” and “Why amI here?” and “What’s it all for?”
It’s that we have confused work with paid employment. Redefining “work” as simply any productive or purposeful activity, with paid employment being just one activity among many, frees us from the false assumption that what we do to put food on the table and a roof over our heads should also provide us with our sense of meaning, purpose and fulfillment. Breaking the link between work and money allows us to reclaim balance and sanity.
Everyone retires someday. The only question is when. Many work themselves into an early grave and retire the day they die. Others play by the rules and retire when their company says they can or must.
Work for many of us is an easy and acceptable way to fill the hours. In our professional lives we have clear rules to followand goals to meet. By contrast, it is completely up to us to invent the success framework for our leisure.1
“My job is not the main event of my life.”
Now that you know that your life isbigger than your job, it makes sense to get a job that really “does the job”—i.e., pays you well.
You might even be so eager to reach a financial goal that you end up working a second job—joyfully. Unlike the behavior of a workaholic, however, working extra hours is now connected with and serves your purpose.
* Jobs change people. Over time, most of us become a little bit like the folks we hang around with, whether we want to, or not. * Your manager has, by far, the greatest impact on your day to day levels of happiness. If you have a good working relationship, chances are good that your job is okay. If, on the other hand, you have a Cthulhu of your own, every day will feel like you’re a Private in...
2021-04-23 13:08:55
* Jobs change people. Over time, most of us become a little bit like the folks we hang around with, whether we want to, or not.
* Your manager has, by far, the greatest impact on your day to day levels of happiness. If you have a good working relationship, chances are good that your job is okay. If, on the other hand, you have a Cthulhu of your own, every day will feel like you’re a Private in a war-zone with a Commander that is intentionally sending you on suicide missions in the bush.
* On that subject, your manager can change at any time. You’re always just one reorganization away from reporting to someone new. So even if you like your current boss, make sure you have your FU money ready just in case things go bad.
* Holding on to a job you despise seven out of seven days a week — even when you’re not working — may not be worth it, even if the salary and benefits are terrific. There’s a distinct line between a) putting up with a tolerable position for the sake of eventually reaching FI, and b) resigning yourself to live in continual misery in a job you come to despise. Put another way, if I could do it over again, I would have quit after year 2, when I realized that the job was changing me and things were simply not working out between me and my new manager. I could have avoided all the ugliness with Bert, as well as several hundred incomprehensibly awful confrontations with Cthulhu.
* If your bonus is tied to a specific goal, try to figure out your hourly wage for the achievement. Is it still worth it?
* The pulse of your team and organization can have a lot of to do with your overall fit and happiness. Financial company tended to hire people with drive and ambitions. Since I wasn’t a climber myself, I never achieved a level of comfort with the way business was conducted.
* If you hate work, it will spill out into the rest of your life. I’m not saying it’ll happen exactly it went down for me, but it’s rare for people to be able to fully compartmentalize their jobs, especially when they’re working a large number of high stress hours.
* Exercise can be a valuable tool to help manage your mood.
* Obsessing on work all of the time is not healthy and can lead people to make bad decisions and act a little crazy.
It becomes dangerous only when we lose sight of the fact that companionship, friendship and intimacy are all available free of charge to people who sincerely extend their love to others.
2018-12-18 15:07:08
It becomes dangerous only when we lose sight of the fact that companionship, friendship and intimacy are all available free of charge to people who sincerely extend their love to others.引自第67页
Your Money or Your Life Vicki Robin Introduction it’s never too late to shift to a more frugal way of life In the richest country in the world, we can barely save a dime temptation to overspend is everywhere Okay, let’s fix this mental glitch health care (which I like to call sickness care because really, the system does nothing to keep us healthy) 4 - HOW MUCH IS ENOUGH? THE NATURE OF FULFIL...
2021-12-23 13:01:16
Your Money or Your Life
Vicki Robin
Introduction
it’s never too late to shift to a more frugal way of life
In the richest country in the world, we can barely save a dime
temptation to overspend is everywhere
Okay, let’s fix this mental glitch
health care (which I like to call sickness care because really, the system does nothing to keep us healthy)
4 - HOW MUCH IS ENOUGH? THE NATURE OF FULFILLMENT
For many of us, however, “growing up” has meant outgrowing our dreams.
7 - FOR LOVE OR MONEY: VALUING YOUR LIFE ENERGY—WORK AND INCOME
Some of us honor our jobs and neglect the rest of our lives. Others of us endure our jobs and make up for it on the evenings and weekends. Some of us love our work—or did once and hope to again—but find our personal vision constrained by boards, supervisors, funders or investors. In any of these cases, we end up with half a life.
This book, being about work, is, by its very nature, about violence—to the spirit as well as to the body. It is about ulcers as well as accidents, about shouting matches as well as fist-fights, about nervous breakdowns as well as kicking the dog around. It is, above all (or beneath all), about daily humiliations. To survive the day is triumph enough for the walking wounded among the great many of us.
For most of human history, people only worked for two or three hours per day. As we moved from agriculture to industrialization, work hours increased, creating standards that label a person lazy if he or she doesn’t work a forty-hour week.... Thevery notion that everyone should have a job only began with the Industrial Revolution .6
preached that leisure is a “commodity” to be consumed rather than free time to be enjoyed
Instead of wolfing down fast food alone at your computer, this movement suggests that eating is far more than fueling the body for the next leg of the rat race—but rather a time of conviviality, pleasure and conversation. In short, it’s civilizing.
Because life outside the workplace has lost vitality and meaning, work has ceased being a means to an end and become an endin itself.
So here we are in the twenty-first century. Our paid employment has taken on myriad roles. Our jobs now serve the function thattraditionally belonged to religion: they are the place where we seek answers to the perennial questions “Who am I?” and “Why amI here?” and “What’s it all for?”
It’s that we have confused work with paid employment. Redefining “work” as simply any productive or purposeful activity, with paid employment being just one activity among many, frees us from the false assumption that what we do to put food on the table and a roof over our heads should also provide us with our sense of meaning, purpose and fulfillment. Breaking the link between work and money allows us to reclaim balance and sanity.
Everyone retires someday. The only question is when. Many work themselves into an early grave and retire the day they die. Others play by the rules and retire when their company says they can or must.
Work for many of us is an easy and acceptable way to fill the hours. In our professional lives we have clear rules to followand goals to meet. By contrast, it is completely up to us to invent the success framework for our leisure.1
“My job is not the main event of my life.”
Now that you know that your life isbigger than your job, it makes sense to get a job that really “does the job”—i.e., pays you well.
You might even be so eager to reach a financial goal that you end up working a second job—joyfully. Unlike the behavior of a workaholic, however, working extra hours is now connected with and serves your purpose.
* Jobs change people. Over time, most of us become a little bit like the folks we hang around with, whether we want to, or not. * Your manager has, by far, the greatest impact on your day to day levels of happiness. If you have a good working relationship, chances are good that your job is okay. If, on the other hand, you have a Cthulhu of your own, every day will feel like you’re a Private in...
2021-04-23 13:08:55
* Jobs change people. Over time, most of us become a little bit like the folks we hang around with, whether we want to, or not.
* Your manager has, by far, the greatest impact on your day to day levels of happiness. If you have a good working relationship, chances are good that your job is okay. If, on the other hand, you have a Cthulhu of your own, every day will feel like you’re a Private in a war-zone with a Commander that is intentionally sending you on suicide missions in the bush.
* On that subject, your manager can change at any time. You’re always just one reorganization away from reporting to someone new. So even if you like your current boss, make sure you have your FU money ready just in case things go bad.
* Holding on to a job you despise seven out of seven days a week — even when you’re not working — may not be worth it, even if the salary and benefits are terrific. There’s a distinct line between a) putting up with a tolerable position for the sake of eventually reaching FI, and b) resigning yourself to live in continual misery in a job you come to despise. Put another way, if I could do it over again, I would have quit after year 2, when I realized that the job was changing me and things were simply not working out between me and my new manager. I could have avoided all the ugliness with Bert, as well as several hundred incomprehensibly awful confrontations with Cthulhu.
* If your bonus is tied to a specific goal, try to figure out your hourly wage for the achievement. Is it still worth it?
* The pulse of your team and organization can have a lot of to do with your overall fit and happiness. Financial company tended to hire people with drive and ambitions. Since I wasn’t a climber myself, I never achieved a level of comfort with the way business was conducted.
* If you hate work, it will spill out into the rest of your life. I’m not saying it’ll happen exactly it went down for me, but it’s rare for people to be able to fully compartmentalize their jobs, especially when they’re working a large number of high stress hours.
* Exercise can be a valuable tool to help manage your mood.
* Obsessing on work all of the time is not healthy and can lead people to make bad decisions and act a little crazy.
0 有用 M. 2022-04-05 06:12:16
看完以后有点明白很多读者的frustration。道理浅显易懂。记账,frugal,根本上节流。开源。什么时候FI呢,investment income>expense。your time and you life energy also count. 分明能感觉广大受众是overspend,债务累累,毫无saving的美国人民
6 有用 Clyde.L 2019-02-12 08:40:36
看过的最好的个人理财书,在观念上引发了很多思考
0 有用 既望 2021-04-01 01:31:51
Apply these steps to your own finances and apply your life energy to the challenges that face our species and our planet.
2 有用 heycinderella 2019-01-02 11:06:12
男人看了更爱做家务的书,为此给五星
7 有用 Slacker 2014-07-07 00:58:15
工作不等于生活的重心,自己的价值,活着的意义,只是你用生命能量换取的生存筹码罢了。生活的意义在别处需要寻找。你的消费模式与你的生命质量对等起来,确实如此。你花的每一分钱与你的追寻相适应。时间=生命的能量,消耗时间=消耗生命的能量,对于自己来说是make sense的。但涉及到与他人的物质关系时却不免显得过于自我。没有革新的观念,与已有的其他观念重合,无振奋之感。
0 有用 法啦米_💋 2022-07-03 12:32:19
Have a life-partner to love
0 有用 潇哥 2022-04-09 20:04:38
过于啰嗦了
0 有用 Dr.Maydorome 2022-04-08 21:32:48
诶怎么没有2018版的
0 有用 M. 2022-04-05 06:12:16
看完以后有点明白很多读者的frustration。道理浅显易懂。记账,frugal,根本上节流。开源。什么时候FI呢,investment income>expense。your time and you life energy also count. 分明能感觉广大受众是overspend,债务累累,毫无saving的美国人民
0 有用 云游骑士 2022-03-28 12:47:55
与其说它是一本有关金钱的书,不如说是一本有关高品质生活的书。我们与金钱的关系无法脱离对生命意义的理解。道理听起来陈旧,真正做到却并不容易。