Your Money or Your Life

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。

Chap4 How much is enough?

日常奔波劳碌，总是为了别人的agenda，应当静下来为自己思考下面的问题：小时候梦想长大做什么？一直想做却没做的事有哪些？人生中让你自豪的成就有什么？如果生命只剩一年，一年你会怎么过？什么给你的幸福感最大？它和钱的关系是什么？如果不非得需要上班，那你会如何过？

然后具体算每个category花的钱给自己带来的fulfillment

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。

Chap7

这段是一个新的认识不过说是这么说感觉还是自己很难看开。大概意思是说paid employment唯一的作用是getting paid，你工作上的stress大多不是因为钱，因为我们已经知道了更多的钱不一定让人更快乐嘛。是因为我们在工作上得不到stimulation, recognition, growth, contribution, interaction and meaning。是我们要求太多了，应该把这两者分开，在unpaid activities里面寻找精神满足。可是我不能全部同意，既然每天很多时间用在paid employment上面，如果能既得到精神满足为什么不尽量追求呢？

Redefining Work

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。

下面这段也特别好，改变了大猫，让他更爱做家务，因为这点给这书大赞。不要以为工作是人生的全部，生活也是work，人生的每个部分都需要好好地过。不需要通过消费来得到快乐。

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。

第七章当是全书精华

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

记账快一年了。开始之前没有详细读很多指导，主要是受到“也谈钱”的影响想要掌握一下家庭的支出情况，就开始记账了。当时的思路是尽量大类合并记录，具体操作层面确实也是这么做的。但这本书的观点是，支出种类的设置应尽量详细，这样才能有助于分析了解和复盘。联想自己的使用情况确实也是这样，我的复盘常常要借助当时记录的明细，种类的帮助还是有限，而记账软件最大的优势之一就是通过种类可以生成标准数据进行便捷的分析。这个建议很有帮助，加下来的记账会考虑细化自己的品类，以更好的掌握规律，进行复盘。

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 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.