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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    I found this book worthwhile, but not what I would call 'the excellent solution". I am over 70 and have spent my life living frugally, continually saving and investing for the future and retirement. I have been quite successful at growing net worth, while living comfortably. I truly believe a key component is learning who you are and understanding how you are best suited to reach your goals. I personally think this book is too caught up in looking at every penny. I think each penny is important, but have focused on being sure there is constant savings. I don't expect my approach to work for everyone, but I wish to emphasize that there can be a lot of paths to reach the same goals. I suggest reading a wide dozens of approaches that focus on saving and investing for the long haul. I have created little changes along the method when trying fresh things. In the end I have found that success came with simplicity. Look for the huge picture in the book and any other. Growing wealth is like growing a huge tree, powerful trees grow huge over a long time.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    Primary principles of this book are decent, however, the principles are not gold and it could be summed up well in 50 pages or less...not the redundant, ranting 300 page book it rst 80 pages of the book are worthless and torture mostly focusing on the consumerism/doomed/horrible smog-infested society we live in, latest two chapters most useful and can be read in a bookstore.I did not like a lot of 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, ings to consider:1) The "FIer" lifestyle is not for everyone- I equate an "FIer" to the little 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 beautiful 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 a lot of 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 method for security and safety is proper allocation to each of these modalities: bonds (treasury bonds are amazing 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 shop 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 obtain slammed- most retirement plans now give options to the "risk" or rather stock/bond ratio you desire. I would more likely suggest rolling cash to Roth IRAs (post-tax and therefore tax free with capital gains) or just leave your nest egg to compound growth where they are I am ranting. Cheers.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    I have read a lot of books on private finance. The majority were about the quantitative aspect, the emotionally cold: data, graphs, statistics, shop history, types of stocks and bonds, and the skills required to construct low-cost diversified portfolios. This book finishes the job by discussing the lesser status qualitative aspect: your thinking and your emotions (OMG!) surrounding money. Both aspects create valid contributions for the eventual, sometimes elusive goal of financial independence, and to be satisfied at your job and giving back to the greater good.I had never heard of this book until I listened to a podcast interview by Angry Fientist. After reading the book, I understood every sentence because at age 69 I was lucky enough to have lived through much of the amazing info found in the book. I recommend it because the authors elaborate and explain in amazing detail not only how to achieve financial independence with quantitative tactics (Step 9) but search your metaphysical definition of metaphysical zone is that most people need more than just the quantitative thinking about getting enough money, or getting rich, which most people think it will never happen anyway. A lot of DIYers complain that the investing public and spouses, relatives, and co-workers are not interested. Perhaps they are not interested because they search all of the amazing books on private finance dry and impersonal. Don't obtain me wrong I love those books but I also love what the authors say in this book. We need both aspects so that more people know why they are saving and investing to hold slowing building wealth over a working lifetime. Without answering the why, most people give up, and search investing too eps 1-8 provide the "consciousness raising" and motivation for staying the course throughout your life. Remember the title "Your Cash OR Your Life." The authors skillfully place the two opposing subjects (money or life) together. Based on my experience I would have never stayed the course without the 10,000 foot perspective of the bigger problem of financial independence that is layed out in Steps 1-8.I gave the book four stars because of the confusion of Steps 8 and 9 (I elaborate at the end of this review, and a ridiculous and irresponsible comment that should have been deleted). The authors cover all that needs to be included, which is a disadvantage because there is so much useful info that readers would need face to face help to complete each step. Readers should not expect themselves to do all the steps quickly, but take a few years to obtain your thinking right and your skills e authors start where it needs to be started: In Your Head! I love the author’s huge picture explanations, and their ultimate goal, quoting: “It is the authors’ fervent hope that this book will increase your freedom to contribute to the world.”YEAH! I think we all wish the freedom to give back our values and our passions to the greater good. The authors took amazing pains to lead their participants to search that connection between your heart, passions and values in everything you do, especially your time working for money. They cited a popular book on that subject, which I read in my younger years, Bolles’ “What color is your parachute.”What a challenge! Becoming a positive and contributing member of society by changing our Western Culture’s (especially American culture’s), relationship with cash is a HUGE undertaking.Oh my god! Changing people’s relationship with cash in our current borrow and spend culture, IMO, is as difficult as paying off the national debt or obliterating the electoral college—it ain’t going to happen anytime t, I applaud the authors' extraordinary courage for working on improving this relationship. Even though the profound result of our consumer culture is overwhelming, you don’t have to participate. According to the authors, their participants have already benefited and found authentic happiness. One thing that has been investigated thoroughly is that spending alone is not going to create anybody satisfied permanently.We are the richest country in the entire history of the planet, and a lot of Americans are unhappy. The authors cite the National Opinion Research Center that 35% Americans describe themselves as “very happy” in 1957 to 30% in 2002.What happened?The authors explain our current dilemma. The reasons are complex, but nothing new:1. rat race (“more is good” thinking there is no end to using earth resources ever)2. materialism (The creation of consumers), "We buy things we don't need with cash we don't have to impress people we don't like."3. nonstop “exaggerated” advertising4. keeping up with the Jones5. not knowing how and why a lot of Americans are living from paycheck to paycheck with disastrous long-term consequences—stress, divorce, bankruptcy and becoming a burden on medications and e above can be significantly reduced and eliminated permanently, and this book shows how to achieve that perfect e authors’ recommendations are also nothing new. A lot of of the world’s oldest and established spiritual institutions present how to empower yourself by reestablishing your thinking to what is important. How do we permanently ignore most if not all the expensive, negative and noisy globe “out there?”The authors were brilliant on explaining in detail what you can do now, each day, NO MATTER what is event “out there.” It’s about empowering yourself because nobody else is going to change—you have to ep 1: Search out how much you have already earned. Most working people go through $2-4 million in their professional life ($75,000 average over 40 years = $3,000,000) and yet most people have not saved one penny. As you become aware of the large amounts of cash that comes and goes through your wallet or purse, without thinking, you will search the motivation to plug some spending leaks (Hint: purchase a two-year-old pre-owned vehicle and hold it for ten or more years).Step 2: This is about calculating what you earn an hour. It is a complicated step. They offer an example of a person making $17.00 per hour but end up only taking home $6.00 per hour because of working expenses.I understand the costs of commuting and work-related clothing, but they also factored in:1. meals (my comment: must eat no matter what!),2. decompression (my comment: must rest no matter what!),3. escape vacation (my comment: what? It’s that what vacations are for?)4. and job-related illness (my comment: never ending question of how did I obtain a cold or flu. Why blame the job? Besides, those employees who have sick hours should not be deducted and those unfortunates who don’t have sick time are not paid because they are not working).Thus, I don’t agree with their above calculations that leave only $6.00 an hour. Most of the above expenses are not work similar to the degree that the authors intended. They didn’t have to exaggerate to create their valid point, but they use the $6.00 per hour example for the rest of the ey insist on paying attention to EVERY CENT. I agree that some people may need to pay attention carefully. But it’s not encouraging, and another reason I gave this book four stars. Step 2 is a difficult sell because it is tedious and time-consuming, and the reason why most people probably give ep 3: I applaud the authors' participants who followed up with this complicated step. If you have serious spending issues and can do 20%-30% of this step, and stick with it, you will be in amazing shape. The conversion of dollars into their “hours of life energy” puts this step over the top IMO. It’s a amazing idea, but too much work and time to do this on your own without extra support. People wish things easy to implement, but this step is time-consuming and discouraging without their steady help network. For the casual reader, it’s out of reach without face to face support, and commitment from ep 4: The chapter is more of a philosophical than a practical guide. Establishing what makes you satisfied in what you do has been written in hundreds of career-type books, and practiced by a lot of current life e authors published their book just before one of my favorite authors, Jack Bogle, published his book, called “Enough.” He is the founder of Vanguard. This chapter is about discovering when you have “enough.”Step 5, “Seeing Progress”: The wall chart is a amazing innovative idea. People need to see progress to their private “Crossover Point.” Their wall chart is one of their best ideas and easiest to ep 6: The authors are now getting somewhere close to my heart, and scored another valid and significant contribution to the entire discipline of private finance. To achieve FI, we have to live frugally, and frugal living is NOT boring! The authors spell this out in the “Pleasures of Frugality.” And just ask the most popular frugal family of all time, Mr. Cash Mustache, his wife, and young son from his brilliant blog rsonally, I have naturally lived the frugal and a unbelievable life for 69 years. I have traveled the world, lived in nice homes in expensive Southern California on two public school educator’s salary (late hubby was an educator too), had a terrific professional career (but low pay), and a grew a comfortable, secure retirement. Below is a partial list of what the authors recommend getting to this peaceful and satisfied place:1. work hard on discovering what motivates you and why2. live below my means (magical experiences happen because material distractions “distract” from your mindfulness regarding having “enough” and valuing “inner” experiences over “external” material things)3. explore how and why to stop the never-ending rat race, and stop impressing others4. explore gratefulness on what you have now, and all the amazing info the authors said about empowerment and finding your e point of this step as the authors wrote: “Learn to choose the quality of life over a standard of living.” If you can obtain to this stage, you will have changed your relationship to money, along with your wellbeing and heighten your ability to help others. The authors did not mention, that I recall, about learning from all mistakes, especially the most painful, a valuable commodity that only you ep 7: What a amazing step, Valuing Your Life Energy—Work and Income.” The subjects about valuing what you do for pay are truly exceptional and worth the price of the book alone. This step is so deep and profound it may require the support of a life coach to appreciate and one caution is about one of their points, “How to Obtain a High-Paying, High-Integrity Job.” Nothing wrong with high pay but when you inform people, they might start to expect higher income because your values and work are one in the same is a risk. For me, this expectation takes away from the basic purpose of this step. It sounds wonderful, but there are two realities to hold in perspective especially with regards to work for money: fantasies and realities. My goodness if your fantasy and reality are a match, it is great. But not all of us can achieve this fairy-tale type match, anywhere near 100%. I applaud those lucky folks who are indeed successful, inside and outside such as the authors themselves and their a lot of ter reading Bolles book several times myself in my younger years, I never saw an increase in my income. But I found a job that paid me contentment and satisfaction, but not in hardcore wages. That’s the point! In fact, I entered a low-paying public teaching profession because it matched my values, and I required a l those amazing value connections you explore may go out the window if you expect a high-status, high-income job.And I was further confused by on page 197, “…the higher the pay, the more time you can have for other things that matter to you.” Sorry, but this sounds more like a sales ep 8: Making it to the “Crossover Point”. This point is monumental in everybody’s life. I didn’t obtain to this point when my investments and pension took the put of my wages until I was 61 years old. It feels so amazing to be able to replace paid income with income from your ever, in Step 8 the authors recommend saving your cash in a fixed acc during your working lives. Then when you retire, you can make a stock and bond balanced fund. This tip is inaccurate at best and dangerously out-of-date at worse. My notice to young people: DO NOT WAIT! Invest in a low-cost and balanced equity and bond portfolio in your 20s and 30s!Both Steps 8 and 9 needs to be combined and ever, in Step 9, their tip about index funds, hiring a professional and watching costs are spot on. The author’s recommendations created amazing sense on the following topics:1. watching investment costs2. recommending the National Association of Private Financial Advisers for fee-only fiduciary advisers3. take on more responsibility by making your investment choices and watching your adviser’s costs4. better yet, explore how to manage your investments without an adviser (highly recommended by this reviewer)5. explore the passive tactic with low-cost index funds6. explore lifestyle fundsTwo examples of outdated and risky advice:1. They wrote (but later corrected, I think, in this step 9) that stocks and true estate are “speculations.” Nothing is further from the truth. Broadly diversified index stock and bond funds are not speculative (My comment: Investing in Ostridge farms, your brother-in-law’s business startup, or investing any of your assets in one company stock are as speculative as gambling in Las Vegas. They fail proper asset allocation and diversification).2. The following comment from a participant was atrocious and dangerous, and should have been deleted. Page 276: “…we were willing to live without health insurance. One of the by-products of working the steps was that we had because much more fearless about life, so the prospect of going without health insurance did not daunt us.”Yikes! This participant’s comment reflects a grave misunderstanding about risks. The authors were discussing equity risk in a balanced portfolio, not risking your assets by going without medical insurance. Think of the little businesses which lost everything through private bankruptcy because the owner got sick. No matter what, always test to purchase affordable health m,Steps 1-7, 9 makes it one of the best books on the general topic of private finance. Just some minor concerns about Step 7 which needs to delete the misleading comment that incomes will increase if you match your life values with your work for money. Step 8 is out-of-date with saving in bonds for your working years. Even though the authors explain further in Step 9, it makes the ending a bit confusing.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    This is the excellent finance book for someone who is now starting out and really for anyone that is trying to obtain a various perspective on cash and how they handle ever 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 simple 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 cash as your life energy, tracking your income vs 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 perfect tip so I would recommend this book to anyone looking to improve their relationship with money.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    A couple of years ago I counted all the private finance books that I had read (as I began to downsize my collection and obtain rid of most of them) and I counted 43. That really surprised me as I had never thought that I could have possibly read as a lot of -after all, if I had my back turned to the bookshelf I probably could only name 10. Without a doubt, this book/cd would be in the top 5 that I have ever read/listened to.Ok, so this isn't a book, but it is based off of a book, which I have read, and which is a more detailed ver of this CD. Having had read the book I wasn't sure that I would obtain as much out of the CD, but I was wrong. I have already listened to the (second) CD three times, and each time I got a small more out of it.What makes this CD so strong is that the approach is not a method, or a system, it is deeper than that, and it ties to your core values. It approaches finance by having you look at how you think and how you spend, and it shares an understanding of how you translate your thoughts into an accounting of your life energy -the limited time on earth that you have to work at your job, earn money, and be with your family. It is as much a CD of philosophy, as it is of finance. Having read the book a year earlier, and having listened to the CD afterwards I suddenly started realizing that a lot of the small purchases that I was making were only delaying my real life goals. Things that I used to spend cash on without thinking, now don't call out to me as much, and things that are more in tune with what I really want, seem even more appealing. This isn't about scrimping and saving, this is about finding your priorities and asking yourself with every purchase -is this taking me closer, or further away from my life goals? It is so empowering; your life goals are YOUR life goals -they are not someone else's, and your goals can't be "wrong". Whatever is necessary to you, is what you focus e first CD is an introductory CD, and is worthwhile listening to, but not something I would listen to over and over. The second CD, however, is where the philosophy is broken out, and where the genius lies.What a unbelievable CD, and what a unbelievable companion book. If you don't like reading, or are not sure about "studying" a book, then I highly recommend buying this CD and listening to it -at least twice. If, after that, you feel like it means something to you, then go out and buy the book.I offer this philosophy my highest recommendation. If done well, it can truly change your life.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    One of the most valuable books that I have found to make a powerful base to obtain on a firm, contented and worry free financial footing. Should be needed reading for anyone who didn't have wealthy parents to teach them about handling and making cash for a satisfied and fulfilled life.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    I have turned my reading to focus more on finances since turning 30 and this was exactly what I was looking for. I will definitely be touching base with this book on a regular basis in years to e book itself is divided into 9 straightforward steps, with each chapter divisions these steps in a 'how to' manner, while also giving stories of 'FIers' who have achieved Financial Independence through following the YMOYL eat read!

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    Among the countless financial planning, early retirement, and obtain rich or die trying books in the world, this is a gem. Real slow (but not that slow) money, based on the concept of "enough, and then some" truly resonates. Can't recommend this enough.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    This is the best book I've read in regards to the true nuts and bolts of what "money" really is and how to change our relationship to it for the e highlights for me are as follows- understanding that cash is just something you traded your life energy for- understanding what your emotional relationship to cash really is rather than simply what cash is in the economy- understanding that more cash and possessions doesn't necessarily equal more fulfillmentDownsides- the main downside is the complexity of the overall program. I'm torn about this because I completely agree with most of the principles and methods, but the complexity of actually executing the steps consistently might be a deal assassin for a lot of people. I would recommend starting with budgeting and really getting a handle on the inflows and outflows of cash in your life and then working out from there to begin looking at what's really fulfilling and how you can create adjustments to bring your exchange of life energy more in line wi what's most fulfilling.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving FinancialIndependence: Fully Revised and Updated for 2018 review [Book]  2018-2-10 18:0

    I've started the steps and really like what the notice of the book was overall. It's always been hard for me to stick to a budget and this book doesn't flat out give you a budget. It's more about you figuring out what is most necessary to you and how you wish to live. I especially liked the phrase "Making a dying" because I feel like that's how most of us operate. We live to work instead of working to live a life worth living.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    I found this book worthwhile, but not what I would call 'the excellent solution". I am over 70 and have spent my life living frugally, continually saving and investing for the future and retirement. I have been quite successful at growing net worth, while living comfortably. I truly believe a key component is learning who you are and understanding how you are best suited to reach your goals. I personally think this book is too caught up in looking at every penny. I think each penny is important, but have focused on being sure there is constant savings. I don't expect my approach to work for everyone, but I wish to emphasize that there can be a lot of paths to reach the same goals. I suggest reading a wide dozens of approaches that focus on saving and investing for the long haul. I have created little changes along the method when trying fresh things. In the end I have found that success came with simplicity. Look for the huge picture in the book and any other. Growing wealth is like growing a huge tree, powerful trees grow huge over a long time.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    Primary principles of this book are decent, however, the principles are not gold and it could be summed up well in 50 pages or less...not the redundant, ranting 300 page book it rst 80 pages of the book are worthless and torture mostly focusing on the consumerism/doomed/horrible smog-infested society we live in, latest two chapters most useful and can be read in a bookstore.I did not like a lot of 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, ings to consider:1) The "FIer" lifestyle is not for everyone- I equate an "FIer" to the little 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 beautiful 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 a lot of 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 method for security and safety is proper allocation to each of these modalities: bonds (treasury bonds are amazing 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 shop 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 obtain slammed- most retirement plans now give options to the "risk" or rather stock/bond ratio you desire. I would more likely suggest rolling cash to Roth IRAs (post-tax and therefore tax free with capital gains) or just leave your nest egg to compound growth where they are I am ranting. Cheers.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    I have read a lot of books on private finance. The majority were about the quantitative aspect, the emotionally cold: data, graphs, statistics, shop history, types of stocks and bonds, and the skills required to construct low-cost diversified portfolios. This book finishes the job by discussing the lesser status qualitative aspect: your thinking and your emotions (OMG!) surrounding money. Both aspects create valid contributions for the eventual, sometimes elusive goal of financial independence, and to be satisfied at your job and giving back to the greater good.I had never heard of this book until I listened to a podcast interview by Angry Fientist. After reading the book, I understood every sentence because at age 69 I was lucky enough to have lived through much of the amazing info found in the book. I recommend it because the authors elaborate and explain in amazing detail not only how to achieve financial independence with quantitative tactics (Step 9) but search your metaphysical definition of metaphysical zone is that most people need more than just the quantitative thinking about getting enough money, or getting rich, which most people think it will never happen anyway. A lot of DIYers complain that the investing public and spouses, relatives, and co-workers are not interested. Perhaps they are not interested because they search all of the amazing books on private finance dry and impersonal. Don't obtain me wrong I love those books but I also love what the authors say in this book. We need both aspects so that more people know why they are saving and investing to hold slowing building wealth over a working lifetime. Without answering the why, most people give up, and search investing too eps 1-8 provide the "consciousness raising" and motivation for staying the course throughout your life. Remember the title "Your Cash OR Your Life." The authors skillfully place the two opposing subjects (money or life) together. Based on my experience I would have never stayed the course without the 10,000 foot perspective of the bigger problem of financial independence that is layed out in Steps 1-8.I gave the book four stars because of the confusion of Steps 8 and 9 (I elaborate at the end of this review, and a ridiculous and irresponsible comment that should have been deleted). The authors cover all that needs to be included, which is a disadvantage because there is so much useful info that readers would need face to face help to complete each step. Readers should not expect themselves to do all the steps quickly, but take a few years to obtain your thinking right and your skills e authors start where it needs to be started: In Your Head! I love the author’s huge picture explanations, and their ultimate goal, quoting: “It is the authors’ fervent hope that this book will increase your freedom to contribute to the world.”YEAH! I think we all wish the freedom to give back our values and our passions to the greater good. The authors took amazing pains to lead their participants to search that connection between your heart, passions and values in everything you do, especially your time working for money. They cited a popular book on that subject, which I read in my younger years, Bolles’ “What color is your parachute.”What a challenge! Becoming a positive and contributing member of society by changing our Western Culture’s (especially American culture’s), relationship with cash is a HUGE undertaking.Oh my god! Changing people’s relationship with cash in our current borrow and spend culture, IMO, is as difficult as paying off the national debt or obliterating the electoral college—it ain’t going to happen anytime t, I applaud the authors' extraordinary courage for working on improving this relationship. Even though the profound result of our consumer culture is overwhelming, you don’t have to participate. According to the authors, their participants have already benefited and found authentic happiness. One thing that has been investigated thoroughly is that spending alone is not going to create anybody satisfied permanently.We are the richest country in the entire history of the planet, and a lot of Americans are unhappy. The authors cite the National Opinion Research Center that 35% Americans describe themselves as “very happy” in 1957 to 30% in 2002.What happened?The authors explain our current dilemma. The reasons are complex, but nothing new:1. rat race (“more is good” thinking there is no end to using earth resources ever)2. materialism (The creation of consumers), "We buy things we don't need with cash we don't have to impress people we don't like."3. nonstop “exaggerated” advertising4. keeping up with the Jones5. not knowing how and why a lot of Americans are living from paycheck to paycheck with disastrous long-term consequences—stress, divorce, bankruptcy and becoming a burden on medications and e above can be significantly reduced and eliminated permanently, and this book shows how to achieve that perfect e authors’ recommendations are also nothing new. A lot of of the world’s oldest and established spiritual institutions present how to empower yourself by reestablishing your thinking to what is important. How do we permanently ignore most if not all the expensive, negative and noisy globe “out there?”The authors were brilliant on explaining in detail what you can do now, each day, NO MATTER what is event “out there.” It’s about empowering yourself because nobody else is going to change—you have to ep 1: Search out how much you have already earned. Most working people go through $2-4 million in their professional life ($75,000 average over 40 years = $3,000,000) and yet most people have not saved one penny. As you become aware of the large amounts of cash that comes and goes through your wallet or purse, without thinking, you will search the motivation to plug some spending leaks (Hint: purchase a two-year-old pre-owned vehicle and hold it for ten or more years).Step 2: This is about calculating what you earn an hour. It is a complicated step. They offer an example of a person making $17.00 per hour but end up only taking home $6.00 per hour because of working expenses.I understand the costs of commuting and work-related clothing, but they also factored in:1. meals (my comment: must eat no matter what!),2. decompression (my comment: must rest no matter what!),3. escape vacation (my comment: what? It’s that what vacations are for?)4. and job-related illness (my comment: never ending question of how did I obtain a cold or flu. Why blame the job? Besides, those employees who have sick hours should not be deducted and those unfortunates who don’t have sick time are not paid because they are not working).Thus, I don’t agree with their above calculations that leave only $6.00 an hour. Most of the above expenses are not work similar to the degree that the authors intended. They didn’t have to exaggerate to create their valid point, but they use the $6.00 per hour example for the rest of the ey insist on paying attention to EVERY CENT. I agree that some people may need to pay attention carefully. But it’s not encouraging, and another reason I gave this book four stars. Step 2 is a difficult sell because it is tedious and time-consuming, and the reason why most people probably give ep 3: I applaud the authors' participants who followed up with this complicated step. If you have serious spending issues and can do 20%-30% of this step, and stick with it, you will be in amazing shape. The conversion of dollars into their “hours of life energy” puts this step over the top IMO. It’s a amazing idea, but too much work and time to do this on your own without extra support. People wish things easy to implement, but this step is time-consuming and discouraging without their steady help network. For the casual reader, it’s out of reach without face to face support, and commitment from ep 4: The chapter is more of a philosophical than a practical guide. Establishing what makes you satisfied in what you do has been written in hundreds of career-type books, and practiced by a lot of current life e authors published their book just before one of my favorite authors, Jack Bogle, published his book, called “Enough.” He is the founder of Vanguard. This chapter is about discovering when you have “enough.”Step 5, “Seeing Progress”: The wall chart is a amazing innovative idea. People need to see progress to their private “Crossover Point.” Their wall chart is one of their best ideas and easiest to ep 6: The authors are now getting somewhere close to my heart, and scored another valid and significant contribution to the entire discipline of private finance. To achieve FI, we have to live frugally, and frugal living is NOT boring! The authors spell this out in the “Pleasures of Frugality.” And just ask the most popular frugal family of all time, Mr. Cash Mustache, his wife, and young son from his brilliant blog rsonally, I have naturally lived the frugal and a unbelievable life for 69 years. I have traveled the world, lived in nice homes in expensive Southern California on two public school educator’s salary (late hubby was an educator too), had a terrific professional career (but low pay), and a grew a comfortable, secure retirement. Below is a partial list of what the authors recommend getting to this peaceful and satisfied place:1. work hard on discovering what motivates you and why2. live below my means (magical experiences happen because material distractions “distract” from your mindfulness regarding having “enough” and valuing “inner” experiences over “external” material things)3. explore how and why to stop the never-ending rat race, and stop impressing others4. explore gratefulness on what you have now, and all the amazing info the authors said about empowerment and finding your e point of this step as the authors wrote: “Learn to choose the quality of life over a standard of living.” If you can obtain to this stage, you will have changed your relationship to money, along with your wellbeing and heighten your ability to help others. The authors did not mention, that I recall, about learning from all mistakes, especially the most painful, a valuable commodity that only you ep 7: What a amazing step, Valuing Your Life Energy—Work and Income.” The subjects about valuing what you do for pay are truly exceptional and worth the price of the book alone. This step is so deep and profound it may require the support of a life coach to appreciate and one caution is about one of their points, “How to Obtain a High-Paying, High-Integrity Job.” Nothing wrong with high pay but when you inform people, they might start to expect higher income because your values and work are one in the same is a risk. For me, this expectation takes away from the basic purpose of this step. It sounds wonderful, but there are two realities to hold in perspective especially with regards to work for money: fantasies and realities. My goodness if your fantasy and reality are a match, it is great. But not all of us can achieve this fairy-tale type match, anywhere near 100%. I applaud those lucky folks who are indeed successful, inside and outside such as the authors themselves and their a lot of ter reading Bolles book several times myself in my younger years, I never saw an increase in my income. But I found a job that paid me contentment and satisfaction, but not in hardcore wages. That’s the point! In fact, I entered a low-paying public teaching profession because it matched my values, and I required a l those amazing value connections you explore may go out the window if you expect a high-status, high-income job.And I was further confused by on page 197, “…the higher the pay, the more time you can have for other things that matter to you.” Sorry, but this sounds more like a sales ep 8: Making it to the “Crossover Point”. This point is monumental in everybody’s life. I didn’t obtain to this point when my investments and pension took the put of my wages until I was 61 years old. It feels so amazing to be able to replace paid income with income from your ever, in Step 8 the authors recommend saving your cash in a fixed acc during your working lives. Then when you retire, you can make a stock and bond balanced fund. This tip is inaccurate at best and dangerously out-of-date at worse. My notice to young people: DO NOT WAIT! Invest in a low-cost and balanced equity and bond portfolio in your 20s and 30s!Both Steps 8 and 9 needs to be combined and ever, in Step 9, their tip about index funds, hiring a professional and watching costs are spot on. The author’s recommendations created amazing sense on the following topics:1. watching investment costs2. recommending the National Association of Private Financial Advisers for fee-only fiduciary advisers3. take on more responsibility by making your investment choices and watching your adviser’s costs4. better yet, explore how to manage your investments without an adviser (highly recommended by this reviewer)5. explore the passive tactic with low-cost index funds6. explore lifestyle fundsTwo examples of outdated and risky advice:1. They wrote (but later corrected, I think, in this step 9) that stocks and true estate are “speculations.” Nothing is further from the truth. Broadly diversified index stock and bond funds are not speculative (My comment: Investing in Ostridge farms, your brother-in-law’s business startup, or investing any of your assets in one company stock are as speculative as gambling in Las Vegas. They fail proper asset allocation and diversification).2. The following comment from a participant was atrocious and dangerous, and should have been deleted. Page 276: “…we were willing to live without health insurance. One of the by-products of working the steps was that we had because much more fearless about life, so the prospect of going without health insurance did not daunt us.”Yikes! This participant’s comment reflects a grave misunderstanding about risks. The authors were discussing equity risk in a balanced portfolio, not risking your assets by going without medical insurance. Think of the little businesses which lost everything through private bankruptcy because the owner got sick. No matter what, always test to purchase affordable health m,Steps 1-7, 9 makes it one of the best books on the general topic of private finance. Just some minor concerns about Step 7 which needs to delete the misleading comment that incomes will increase if you match your life values with your work for money. Step 8 is out-of-date with saving in bonds for your working years. Even though the authors explain further in Step 9, it makes the ending a bit confusing.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    This is the excellent finance book for someone who is now starting out and really for anyone that is trying to obtain a various perspective on cash and how they handle ever 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 simple 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 cash as your life energy, tracking your income vs 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 perfect tip so I would recommend this book to anyone looking to improve their relationship with money.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    A couple of years ago I counted all the private finance books that I had read (as I began to downsize my collection and obtain rid of most of them) and I counted 43. That really surprised me as I had never thought that I could have possibly read as a lot of -after all, if I had my back turned to the bookshelf I probably could only name 10. Without a doubt, this book/cd would be in the top 5 that I have ever read/listened to.Ok, so this isn't a book, but it is based off of a book, which I have read, and which is a more detailed ver of this CD. Having had read the book I wasn't sure that I would obtain as much out of the CD, but I was wrong. I have already listened to the (second) CD three times, and each time I got a small more out of it.What makes this CD so strong is that the approach is not a method, or a system, it is deeper than that, and it ties to your core values. It approaches finance by having you look at how you think and how you spend, and it shares an understanding of how you translate your thoughts into an accounting of your life energy -the limited time on earth that you have to work at your job, earn money, and be with your family. It is as much a CD of philosophy, as it is of finance. Having read the book a year earlier, and having listened to the CD afterwards I suddenly started realizing that a lot of the small purchases that I was making were only delaying my real life goals. Things that I used to spend cash on without thinking, now don't call out to me as much, and things that are more in tune with what I really want, seem even more appealing. This isn't about scrimping and saving, this is about finding your priorities and asking yourself with every purchase -is this taking me closer, or further away from my life goals? It is so empowering; your life goals are YOUR life goals -they are not someone else's, and your goals can't be "wrong". Whatever is necessary to you, is what you focus e first CD is an introductory CD, and is worthwhile listening to, but not something I would listen to over and over. The second CD, however, is where the philosophy is broken out, and where the genius lies.What a unbelievable CD, and what a unbelievable companion book. If you don't like reading, or are not sure about "studying" a book, then I highly recommend buying this CD and listening to it -at least twice. If, after that, you feel like it means something to you, then go out and buy the book.I offer this philosophy my highest recommendation. If done well, it can truly change your life.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    This is a 2 cd set where the author talks you through why you wish to transform your relationship with cash and how to do it. The reason why you may be interested in this is if you are finding yourself low on funds and don't feel you have much to present for all your spending. This cd will support you become more financially aware of how you're spending your e reason I gave this 4 stars instead of 5 is because the author doesn't have concrete suggestions for how to track your funds. She makes some suggestions like writing your expenses down on a slip of paper or keeping your receipts and tallying them either using a computer program or by hand.What would have created this a 5 star program is if the author had given more specific recommendations for how to track expenses so that readers could first obtain a very clear picture of how their cash is falling through the cracks. Judy Lawrence has written a book, The Budget Book. In my opinion, that book is not titled correctly - it should be called The Financial Awareness Book. If you adapt the categories she suggests to your own needs and look at where you spend your cash and carefully track it, I believe you will search out why you are not "getting your money's worth" in terms of making your financial choices match up with your real intentions. This is very necessary info to accumulate and it takes a while to really integrate your values with your choices.If you use Vicki's cd with Judy's book, I think you'll search you have the tools you need to increase your financial awareness and slowly but surely your choices will become more aligned with your private is author has a very conversational and approachable style which helps you ease into what can be a very anxiety ridden subject. This is a amazing put to begin gaining financial awareness but it is incomplete because she doesn't support you really obtain a handle on what you need to do to create the right financial changes for your own special situation.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    One of the most valuable books that I have found to make a powerful base to obtain on a firm, contented and worry free financial footing. Should be needed reading for anyone who didn't have wealthy parents to teach them about handling and making cash for a satisfied and fulfilled life.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    A amazing read if you know nothing about cash and are in true debt. If you have studied other books about getting out debt you will search some steps unnecessary.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    I have turned my reading to focus more on finances since turning 30 and this was exactly what I was looking for. I will definitely be touching base with this book on a regular basis in years to e book itself is divided into 9 straightforward steps, with each chapter divisions these steps in a 'how to' manner, while also giving stories of 'FIers' who have achieved Financial Independence through following the YMOYL eat read!

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated review [Book]  2018-2-18 18:1

    This is the best book I've read in regards to the true nuts and bolts of what "money" really is and how to change our relationship to it for the e highlights for me are as follows- understanding that cash is just something you traded your life energy for- understanding what your emotional relationship to cash really is rather than simply what cash is in the economy- understanding that more cash and possessions doesn't necessarily equal more fulfillmentDownsides- the main downside is the complexity of the overall program. I'm torn about this because I completely agree with most of the principles and methods, but the complexity of actually executing the steps consistently might be a deal assassin for a lot of people. I would recommend starting with budgeting and really getting a handle on the inflows and outflows of cash in your life and then working out from there to begin looking at what's really fulfilling and how you can create adjustments to bring your exchange of life energy more in line wi what's most fulfilling.

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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 review [Book]  2017-11-15 18:0

    I found this book worthwhile, but not what I would call 'the excellent solution". I am over 70 and have spent my life living frugally, continually saving and investing for the future and retirement. I have been quite successful at growing net worth, while living comfortably. I truly believe a key component is learning who you are and understanding how you are best suited to reach your goals. I personally think this book is too caught up in looking at every penny. I think each penny is important, but have focused on being sure there is constant savings. I don't expect my approach to work for everyone, but I wish to emphasize that there can be a lot of paths to reach the same goals. I suggest reading a wide dozens of approaches that focus on saving and investing for the long haul. I have created little changes along the method when trying fresh things. In the end I have found that success came with simplicity. Look for the huge picture in the book and any other. Growing wealth is like growing a huge tree, powerful trees grow huge over a long time.

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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 review [Book]  2017-11-15 18:0

    Primary principles of this book are decent, however, the principles are not gold and it could be summed up well in 50 pages or less...not the redundant, ranting 300 page book it rst 80 pages of the book are worthless and torture mostly focusing on the consumerism/doomed/horrible smog-infested society we live in, latest two chapters most useful and can be read in a bookstore.I did not like a lot of 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, ings to consider:1) The "FIer" lifestyle is not for everyone- I equate an "FIer" to the little 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 beautiful 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 a lot of 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 method for security and safety is proper allocation to each of these modalities: bonds (treasury bonds are amazing 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 shop 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 obtain slammed- most retirement plans now give options to the "risk" or rather stock/bond ratio you desire. I would more likely suggest rolling cash to Roth IRAs (post-tax and therefore tax free with capital gains) or just leave your nest egg to compound growth where they are I am ranting. Cheers.

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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 review [Book]  2017-11-15 18:0

    I have read a lot of books on private finance. The majority were about the quantitative aspect, the emotionally cold: data, graphs, statistics, shop history, types of stocks and bonds, and the skills required to construct low-cost diversified portfolios. This book finishes the job by discussing the lesser status qualitative aspect: your thinking and your emotions (OMG!) surrounding money. Both aspects create valid contributions for the eventual, sometimes elusive goal of financial independence, and to be satisfied at your job and giving back to the greater good.I had never heard of this book until I listened to a podcast interview by Angry Fientist. After reading the book, I understood every sentence because at age 69 I was lucky enough to have lived through much of the amazing info found in the book. I recommend it because the authors elaborate and explain in amazing detail not only how to achieve financial independence with quantitative tactics (Step 9) but search your metaphysical definition of metaphysical zone is that most people need more than just the quantitative thinking about getting enough money, or getting rich, which most people think it will never happen anyway. A lot of DIYers complain that the investing public and spouses, relatives, and co-workers are not interested. Perhaps they are not interested because they search all of the amazing books on private finance dry and impersonal. Don't obtain me wrong I love those books but I also love what the authors say in this book. We need both aspects so that more people know why they are saving and investing to hold slowing building wealth over a working lifetime. Without answering the why, most people give up, and search investing too eps 1-8 provide the "consciousness raising" and motivation for staying the course throughout your life. Remember the title "Your Cash OR Your Life." The authors skillfully place the two opposing subjects (money or life) together. Based on my experience I would have never stayed the course without the 10,000 foot perspective of the bigger problem of financial independence that is layed out in Steps 1-8.I gave the book four stars because of the confusion of Steps 8 and 9 (I elaborate at the end of this review, and a ridiculous and irresponsible comment that should have been deleted). The authors cover all that needs to be included, which is a disadvantage because there is so much useful info that readers would need face to face help to complete each step. Readers should not expect themselves to do all the steps quickly, but take a few years to obtain your thinking right and your skills e authors start where it needs to be started: In Your Head! I love the author’s huge picture explanations, and their ultimate goal, quoting: “It is the authors’ fervent hope that this book will increase your freedom to contribute to the world.”YEAH! I think we all wish the freedom to give back our values and our passions to the greater good. The authors took amazing pains to lead their participants to search that connection between your heart, passions and values in everything you do, especially your time working for money. They cited a popular book on that subject, which I read in my younger years, Bolles’ “What color is your parachute.”What a challenge! Becoming a positive and contributing member of society by changing our Western Culture’s (especially American culture’s), relationship with cash is a HUGE undertaking.Oh my god! Changing people’s relationship with cash in our current borrow and spend culture, IMO, is as difficult as paying off the national debt or obliterating the electoral college—it ain’t going to happen anytime t, I applaud the authors' extraordinary courage for working on improving this relationship. Even though the profound result of our consumer culture is overwhelming, you don’t have to participate. According to the authors, their participants have already benefited and found authentic happiness. One thing that has been investigated thoroughly is that spending alone is not going to create anybody satisfied permanently.We are the richest country in the entire history of the planet, and a lot of Americans are unhappy. The authors cite the National Opinion Research Center that 35% Americans describe themselves as “very happy” in 1957 to 30% in 2002.What happened?The authors explain our current dilemma. The reasons are complex, but nothing new:1. rat race (“more is good” thinking there is no end to using earth resources ever)2. materialism (The creation of consumers), "We buy things we don't need with cash we don't have to impress people we don't like."3. nonstop “exaggerated” advertising4. keeping up with the Jones5. not knowing how and why a lot of Americans are living from paycheck to paycheck with disastrous long-term consequences—stress, divorce, bankruptcy and becoming a burden on medications and e above can be significantly reduced and eliminated permanently, and this book shows how to achieve that perfect e authors’ recommendations are also nothing new. A lot of of the world’s oldest and established spiritual institutions present how to empower yourself by reestablishing your thinking to what is important. How do we permanently ignore most if not all the expensive, negative and noisy globe “out there?”The authors were brilliant on explaining in detail what you can do now, each day, NO MATTER what is event “out there.” It’s about empowering yourself because nobody else is going to change—you have to ep 1: Search out how much you have already earned. Most working people go through $2-4 million in their professional life ($75,000 average over 40 years = $3,000,000) and yet most people have not saved one penny. As you become aware of the large amounts of cash that comes and goes through your wallet or purse, without thinking, you will search the motivation to plug some spending leaks (Hint: purchase a two-year-old pre-owned vehicle and hold it for ten or more years).Step 2: This is about calculating what you earn an hour. It is a complicated step. They offer an example of a person making $17.00 per hour but end up only taking home $6.00 per hour because of working expenses.I understand the costs of commuting and work-related clothing, but they also factored in:1. meals (my comment: must eat no matter what!),2. decompression (my comment: must rest no matter what!),3. escape vacation (my comment: what? It’s that what vacations are for?)4. and job-related illness (my comment: never ending question of how did I obtain a cold or flu. Why blame the job? Besides, those employees who have sick hours should not be deducted and those unfortunates who don’t have sick time are not paid because they are not working).Thus, I don’t agree with their above calculations that leave only $6.00 an hour. Most of the above expenses are not work similar to the degree that the authors intended. They didn’t have to exaggerate to create their valid point, but they use the $6.00 per hour example for the rest of the ey insist on paying attention to EVERY CENT. I agree that some people may need to pay attention carefully. But it’s not encouraging, and another reason I gave this book four stars. Step 2 is a difficult sell because it is tedious and time-consuming, and the reason why most people probably give ep 3: I applaud the authors' participants who followed up with this complicated step. If you have serious spending issues and can do 20%-30% of this step, and stick with it, you will be in amazing shape. The conversion of dollars into their “hours of life energy” puts this step over the top IMO. It’s a amazing idea, but too much work and time to do this on your own without extra support. People wish things easy to implement, but this step is time-consuming and discouraging without their steady help network. For the casual reader, it’s out of reach without face to face support, and commitment from ep 4: The chapter is more of a philosophical than a practical guide. Establishing what makes you satisfied in what you do has been written in hundreds of career-type books, and practiced by a lot of current life e authors published their book just before one of my favorite authors, Jack Bogle, published his book, called “Enough.” He is the founder of Vanguard. This chapter is about discovering when you have “enough.”Step 5, “Seeing Progress”: The wall chart is a amazing innovative idea. People need to see progress to their private “Crossover Point.” Their wall chart is one of their best ideas and easiest to ep 6: The authors are now getting somewhere close to my heart, and scored another valid and significant contribution to the entire discipline of private finance. To achieve FI, we have to live frugally, and frugal living is NOT boring! The authors spell this out in the “Pleasures of Frugality.” And just ask the most popular frugal family of all time, Mr. Cash Mustache, his wife, and young son from his brilliant blog rsonally, I have naturally lived the frugal and a unbelievable life for 69 years. I have traveled the world, lived in nice homes in expensive Southern California on two public school educator’s salary (late hubby was an educator too), had a terrific professional career (but low pay), and a grew a comfortable, secure retirement. Below is a partial list of what the authors recommend getting to this peaceful and satisfied place:1. work hard on discovering what motivates you and why2. live below my means (magical experiences happen because material distractions “distract” from your mindfulness regarding having “enough” and valuing “inner” experiences over “external” material things)3. explore how and why to stop the never-ending rat race, and stop impressing others4. explore gratefulness on what you have now, and all the amazing info the authors said about empowerment and finding your e point of this step as the authors wrote: “Learn to choose the quality of life over a standard of living.” If you can obtain to this stage, you will have changed your relationship to money, along with your wellbeing and heighten your ability to help others. The authors did not mention, that I recall, about learning from all mistakes, especially the most painful, a valuable commodity that only you ep 7: What a amazing step, Valuing Your Life Energy—Work and Income.” The subjects about valuing what you do for pay are truly exceptional and worth the price of the book alone. This step is so deep and profound it may require the support of a life coach to appreciate and one caution is about one of their points, “How to Obtain a High-Paying, High-Integrity Job.” Nothing wrong with high pay but when you inform people, they might start to expect higher income because your values and work are one in the same is a risk. For me, this expectation takes away from the basic purpose of this step. It sounds wonderful, but there are two realities to hold in perspective especially with regards to work for money: fantasies and realities. My goodness if your fantasy and reality are a match, it is great. But not all of us can achieve this fairy-tale type match, anywhere near 100%. I applaud those lucky folks who are indeed successful, inside and outside such as the authors themselves and their a lot of ter reading Bolles book several times myself in my younger years, I never saw an increase in my income. But I found a job that paid me contentment and satisfaction, but not in hardcore wages. That’s the point! In fact, I entered a low-paying public teaching profession because it matched my values, and I required a l those amazing value connections you explore may go out the window if you expect a high-status, high-income job.And I was further confused by on page 197, “…the higher the pay, the more time you can have for other things that matter to you.” Sorry, but this sounds more like a sales ep 8: Making it to the “Crossover Point”. This point is monumental in everybody’s life. I didn’t obtain to this point when my investments and pension took the put of my wages until I was 61 years old. It feels so amazing to be able to replace paid income with income from your ever, in Step 8 the authors recommend saving your cash in a fixed acc during your working lives. Then when you retire, you can make a stock and bond balanced fund. This tip is inaccurate at best and dangerously out-of-date at worse. My notice to young people: DO NOT WAIT! Invest in a low-cost and balanced equity and bond portfolio in your 20s and 30s!Both Steps 8 and 9 needs to be combined and ever, in Step 9, their tip about index funds, hiring a professional and watching costs are spot on. The author’s recommendations created amazing sense on the following topics:1. watching investment costs2. recommending the National Association of Private Financial Advisers for fee-only fiduciary advisers3. take on more responsibility by making your investment choices and watching your adviser’s costs4. better yet, explore how to manage your investments without an adviser (highly recommended by this reviewer)5. explore the passive tactic with low-cost index funds6. explore lifestyle fundsTwo examples of outdated and risky advice:1. They wrote (but later corrected, I think, in this step 9) that stocks and true estate are “speculations.” Nothing is further from the truth. Broadly diversified index stock and bond funds are not speculative (My comment: Investing in Ostridge farms, your brother-in-law’s business startup, or investing any of your assets in one company stock are as speculative as gambling in Las Vegas. They fail proper asset allocation and diversification).2. The following comment from a participant was atrocious and dangerous, and should have been deleted. Page 276: “…we were willing to live without health insurance. One of the by-products of working the steps was that we had because much more fearless about life, so the prospect of going without health insurance did not daunt us.”Yikes! This participant’s comment reflects a grave misunderstanding about risks. The authors were discussing equity risk in a balanced portfolio, not risking your assets by going without medical insurance. Think of the little businesses which lost everything through private bankruptcy because the owner got sick. No matter what, always test to purchase affordable health m,Steps 1-7, 9 makes it one of the best books on the general topic of private finance. Just some minor concerns about Step 7 which needs to delete the misleading comment that incomes will increase if you match your life values with your work for money. Step 8 is out-of-date with saving in bonds for your working years. Even though the authors explain further in Step 9, it makes the ending a bit confusing.

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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 review [Book]  2017-11-15 18:0

    I was finally able to create through this book. However, it took forever. For some reason this book did not resonate with me as much as it did for other reviewer's. Calling the content hippie-dippy would be an insult to the authors. It is obvious that they place a lot of time and thoughtful consideration in developing the framework. Having said that, I will most likely continue to practice most of the steps outlined in the book. As the saying goes "take what works and leave the rest behind."

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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 review [Book]  2017-11-15 18:0

    One of the most valuable books that I have found to make a powerful base to obtain on a firm, contented and worry free financial footing. Should be needed reading for anyone who didn't have wealthy parents to teach them about handling and making cash for a satisfied and fulfilled life.

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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 review [Book]  2017-11-15 18:0

    I've started the steps and really like what the notice of the book was overall. It's always been hard for me to stick to a budget and this book doesn't flat out give you a budget. It's more about you figuring out what is most necessary to you and how you wish to live. I especially liked the phrase "Making a dying" because I feel like that's how most of us operate. We live to work instead of working to live a life worth living.

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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 review [Book]  2017-11-15 18:0

    I have turned my reading to focus more on finances since turning 30 and this was exactly what I was looking for. I will definitely be touching base with this book on a regular basis in years to e book itself is divided into 9 straightforward steps, with each chapter divisions these steps in a 'how to' manner, while also giving stories of 'FIers' who have achieved Financial Independence through following the YMOYL eat read!

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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 review [Book]  2017-11-15 18:0

    Among the countless financial planning, early retirement, and obtain rich or die trying books in the world, this is a gem. Real slow (but not that slow) money, based on the concept of "enough, and then some" truly resonates. Can't recommend this enough.

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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 review [Book]  2017-11-15 18:0

    A amazing read if you know nothing about cash and are in true debt. If you have studied other books about getting out debt you will search some steps unnecessary.

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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 review [Book]  2017-11-15 18:0

    The fundamental premise of this book is beautiful good. The idea is as follows: You devote a given amount of time a day into work (say 10 hours). You earn an hourly wage, let's say for argument's sake it is $16 / hour. But there are a lot of hidden costs associated with having a r example, you may spend 30 min. commuting to and from work. After you obtain back from work, you may spend an extra hour "decompressing" - as in mindlessly watching TV in order to relax. You may also spend maybe another 30 min. or so talking about your work situation to your significant when you calculate your REAL hourly wages, you have to take all of this additional time into account. After all, you wouldn't be doing all of this items if you didn't work at this particular so, there are monetary costs to working. Such as spending cash on nice work clothing. Buying lunch in the afternoon, because it would be too time consuming to prepare lunch every night. If there are things that you might do yourself but don't because of your job (taking care of your lawn, car, house, etc), you have to subtract the monetary costs of outsourcing all of this work.What the book points out is that your REAL hourly wage is often much less than you think it is. In the example above, $16/hour could easily fall to $10 or $11/ e book then goes on to argue that when you begin looking at items to buy - you should think about the cost of a fresh iPod for example in terms of hours spent working for it, not money. So for example, if you buy a $200 iPod, and you REAL hourly wage is $11/ hour, you've just spent about 18.2 hours of your life working away for that iPod. It really puts things into e book does not tell you not to spend, but rather to be conscious of what you are actually spending, which is literally your life ey have a "9 step program" but really it amounts to this:1) Calculate your REAL net worth. All assets minus all debts. For a lot of people its negative, because they have accumulated so much debt during their lifetime.2) Become aware of your true hourly wage, and your spending patterns, and you will search that you naturally stop buying frivolous things. They recommend tracking EVERY single cent that you spend on goods. Beautiful extreme, but I understand why. People in this program supposedly paid off seemingly huge loads of debt in stunningly short time at's beautiful much the gist of the book. The reason why I've given it 3.5 stars is because the manner in which this is all presented is not that great. The writing attempts to create the notice seem very profound, when in fact it may not be so deep a truth as all ere is also a *LOT* of negative generalization about how everyone lives an over-stressed, under-paid lifestyle and it keeps coming up, over and over again in the book. It's this part that I really don't like. It probably all together takes up maybe 75 pages of the book, and it really only needs to be stated once. I think some brevity could have created this book really amazing, but it is still ly, I strongly disagree with the investment chapter at the end of the book, and I think it will lead a lot of people astray. It recommends that you should only invest in long-term US treasury bonds that pay very marginal rates, because they are the only thing 100% guaranteed over time. A slightly "riskier" tactic is to invest in lifecycle funds.Let me state plainly that to invest in only US treasury bonds would be akin to shooting yourself in the foot. A lot of things (like your job), are not 100% certain over long periods of time, and by using some common sense and effort you can do MUCH better than treasury bonds by making wise choices with index funds, stocks, bonds, and true cycle funds are ok, but it is also perfectly ok to invest in stocks if you are willing to invest the time to do a small bit of research. "The Smart Investor" is the best book hands down for teaching you about stock selection and bonds, and I'd look there first if you are interested in learning about investing.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:0

    I found this book worthwhile, but not what I would call 'the excellent solution". I am over 70 and have spent my life living frugally, continually saving and investing for the future and retirement. I have been quite successful at growing net worth, while living comfortably. I truly believe a key component is learning who you are and understanding how you are best suited to reach your goals. I personally think this book is too caught up in looking at every penny. I think each penny is important, but have focused on being sure there is constant savings. I don't expect my approach to work for everyone, but I wish to emphasize that there can be a lot of paths to reach the same goals. I suggest reading a wide dozens of approaches that focus on saving and investing for the long haul. I have created little changes along the method when trying fresh things. In the end I have found that success came with simplicity. Look for the huge picture in the book and any other. Growing wealth is like growing a huge tree, powerful trees grow huge over a long time.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    Primary principles of this book are decent, however, the principles are not gold and it could be summed up well in 50 pages or less...not the redundant, ranting 300 page book it rst 80 pages of the book are worthless and torture mostly focusing on the consumerism/doomed/horrible smog-infested society we live in, latest two chapters most useful and can be read in a bookstore.I did not like a lot of 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, ings to consider:1) The "FIer" lifestyle is not for everyone- I equate an "FIer" to the little 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 beautiful 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 a lot of 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 method for security and safety is proper allocation to each of these modalities: bonds (treasury bonds are amazing 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 shop 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 obtain slammed- most retirement plans now give options to the "risk" or rather stock/bond ratio you desire. I would more likely suggest rolling cash to Roth IRAs (post-tax and therefore tax free with capital gains) or just leave your nest egg to compound growth where they are I am ranting. Cheers.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    I have read a lot of books on private finance. The majority were about the quantitative aspect, the emotionally cold: data, graphs, statistics, shop history, types of stocks and bonds, and the skills required to construct low-cost diversified portfolios. This book finishes the job by discussing the lesser status qualitative aspect: your thinking and your emotions (OMG!) surrounding money. Both aspects create valid contributions for the eventual, sometimes elusive goal of financial independence, and to be satisfied at your job and giving back to the greater good.I had never heard of this book until I listened to a podcast interview by Angry Fientist. After reading the book, I understood every sentence because at age 69 I was lucky enough to have lived through much of the amazing info found in the book. I recommend it because the authors elaborate and explain in amazing detail not only how to achieve financial independence with quantitative tactics (Step 9) but search your metaphysical definition of metaphysical zone is that most people need more than just the quantitative thinking about getting enough money, or getting rich, which most people think it will never happen anyway. A lot of DIYers complain that the investing public and spouses, relatives, and co-workers are not interested. Perhaps they are not interested because they search all of the amazing books on private finance dry and impersonal. Don't obtain me wrong I love those books but I also love what the authors say in this book. We need both aspects so that more people know why they are saving and investing to hold slowing building wealth over a working lifetime. Without answering the why, most people give up, and search investing too eps 1-8 provide the "consciousness raising" and motivation for staying the course throughout your life. Remember the title "Your Cash OR Your Life." The authors skillfully place the two opposing subjects (money or life) together. Based on my experience I would have never stayed the course without the 10,000 foot perspective of the bigger problem of financial independence that is layed out in Steps 1-8.I gave the book four stars because of the confusion of Steps 8 and 9 (I elaborate at the end of this review, and a ridiculous and irresponsible comment that should have been deleted). The authors cover all that needs to be included, which is a disadvantage because there is so much useful info that readers would need face to face help to complete each step. Readers should not expect themselves to do all the steps quickly, but take a few years to obtain your thinking right and your skills e authors start where it needs to be started: In Your Head! I love the author’s huge picture explanations, and their ultimate goal, quoting: “It is the authors’ fervent hope that this book will increase your freedom to contribute to the world.”YEAH! I think we all wish the freedom to give back our values and our passions to the greater good. The authors took amazing pains to lead their participants to search that connection between your heart, passions and values in everything you do, especially your time working for money. They cited a popular book on that subject, which I read in my younger years, Bolles’ “What color is your parachute.”What a challenge! Becoming a positive and contributing member of society by changing our Western Culture’s (especially American culture’s), relationship with cash is a HUGE undertaking.Oh my god! Changing people’s relationship with cash in our current borrow and spend culture, IMO, is as difficult as paying off the national debt or obliterating the electoral college—it ain’t going to happen anytime t, I applaud the authors' extraordinary courage for working on improving this relationship. Even though the profound result of our consumer culture is overwhelming, you don’t have to participate. According to the authors, their participants have already benefited and found authentic happiness. One thing that has been investigated thoroughly is that spending alone is not going to create anybody satisfied permanently.We are the richest country in the entire history of the planet, and a lot of Americans are unhappy. The authors cite the National Opinion Research Center that 35% Americans describe themselves as “very happy” in 1957 to 30% in 2002.What happened?The authors explain our current dilemma. The reasons are complex, but nothing new:1. rat race (“more is good” thinking there is no end to using earth resources ever)2. materialism (The creation of consumers), "We buy things we don't need with cash we don't have to impress people we don't like."3. nonstop “exaggerated” advertising4. keeping up with the Jones5. not knowing how and why a lot of Americans are living from paycheck to paycheck with disastrous long-term consequences—stress, divorce, bankruptcy and becoming a burden on medications and e above can be significantly reduced and eliminated permanently, and this book shows how to achieve that perfect e authors’ recommendations are also nothing new. A lot of of the world’s oldest and established spiritual institutions present how to empower yourself by reestablishing your thinking to what is important. How do we permanently ignore most if not all the expensive, negative and noisy globe “out there?”The authors were brilliant on explaining in detail what you can do now, each day, NO MATTER what is event “out there.” It’s about empowering yourself because nobody else is going to change—you have to ep 1: Search out how much you have already earned. Most working people go through $2-4 million in their professional life ($75,000 average over 40 years = $3,000,000) and yet most people have not saved one penny. As you become aware of the large amounts of cash that comes and goes through your wallet or purse, without thinking, you will search the motivation to plug some spending leaks (Hint: purchase a two-year-old pre-owned vehicle and hold it for ten or more years).Step 2: This is about calculating what you earn an hour. It is a complicated step. They offer an example of a person making $17.00 per hour but end up only taking home $6.00 per hour because of working expenses.I understand the costs of commuting and work-related clothing, but they also factored in:1. meals (my comment: must eat no matter what!),2. decompression (my comment: must rest no matter what!),3. escape vacation (my comment: what? It’s that what vacations are for?)4. and job-related illness (my comment: never ending question of how did I obtain a cold or flu. Why blame the job? Besides, those employees who have sick hours should not be deducted and those unfortunates who don’t have sick time are not paid because they are not working).Thus, I don’t agree with their above calculations that leave only $6.00 an hour. Most of the above expenses are not work similar to the degree that the authors intended. They didn’t have to exaggerate to create their valid point, but they use the $6.00 per hour example for the rest of the ey insist on paying attention to EVERY CENT. I agree that some people may need to pay attention carefully. But it’s not encouraging, and another reason I gave this book four stars. Step 2 is a difficult sell because it is tedious and time-consuming, and the reason why most people probably give ep 3: I applaud the authors' participants who followed up with this complicated step. If you have serious spending issues and can do 20%-30% of this step, and stick with it, you will be in amazing shape. The conversion of dollars into their “hours of life energy” puts this step over the top IMO. It’s a amazing idea, but too much work and time to do this on your own without extra support. People wish things easy to implement, but this step is time-consuming and discouraging without their steady help network. For the casual reader, it’s out of reach without face to face support, and commitment from ep 4: The chapter is more of a philosophical than a practical guide. Establishing what makes you satisfied in what you do has been written in hundreds of career-type books, and practiced by a lot of current life e authors published their book just before one of my favorite authors, Jack Bogle, published his book, called “Enough.” He is the founder of Vanguard. This chapter is about discovering when you have “enough.”Step 5, “Seeing Progress”: The wall chart is a amazing innovative idea. People need to see progress to their private “Crossover Point.” Their wall chart is one of their best ideas and easiest to ep 6: The authors are now getting somewhere close to my heart, and scored another valid and significant contribution to the entire discipline of private finance. To achieve FI, we have to live frugally, and frugal living is NOT boring! The authors spell this out in the “Pleasures of Frugality.” And just ask the most popular frugal family of all time, Mr. Cash Mustache, his wife, and young son from his brilliant blog rsonally, I have naturally lived the frugal and a unbelievable life for 69 years. I have traveled the world, lived in nice homes in expensive Southern California on two public school educator’s salary (late hubby was an educator too), had a terrific professional career (but low pay), and a grew a comfortable, secure retirement. Below is a partial list of what the authors recommend getting to this peaceful and satisfied place:1. work hard on discovering what motivates you and why2. live below my means (magical experiences happen because material distractions “distract” from your mindfulness regarding having “enough” and valuing “inner” experiences over “external” material things)3. explore how and why to stop the never-ending rat race, and stop impressing others4. explore gratefulness on what you have now, and all the amazing info the authors said about empowerment and finding your e point of this step as the authors wrote: “Learn to choose the quality of life over a standard of living.” If you can obtain to this stage, you will have changed your relationship to money, along with your wellbeing and heighten your ability to help others. The authors did not mention, that I recall, about learning from all mistakes, especially the most painful, a valuable commodity that only you ep 7: What a amazing step, Valuing Your Life Energy—Work and Income.” The subjects about valuing what you do for pay are truly exceptional and worth the price of the book alone. This step is so deep and profound it may require the support of a life coach to appreciate and one caution is about one of their points, “How to Obtain a High-Paying, High-Integrity Job.” Nothing wrong with high pay but when you inform people, they might start to expect higher income because your values and work are one in the same is a risk. For me, this expectation takes away from the basic purpose of this step. It sounds wonderful, but there are two realities to hold in perspective especially with regards to work for money: fantasies and realities. My goodness if your fantasy and reality are a match, it is great. But not all of us can achieve this fairy-tale type match, anywhere near 100%. I applaud those lucky folks who are indeed successful, inside and outside such as the authors themselves and their a lot of ter reading Bolles book several times myself in my younger years, I never saw an increase in my income. But I found a job that paid me contentment and satisfaction, but not in hardcore wages. That’s the point! In fact, I entered a low-paying public teaching profession because it matched my values, and I required a l those amazing value connections you explore may go out the window if you expect a high-status, high-income job.And I was further confused by on page 197, “…the higher the pay, the more time you can have for other things that matter to you.” Sorry, but this sounds more like a sales ep 8: Making it to the “Crossover Point”. This point is monumental in everybody’s life. I didn’t obtain to this point when my investments and pension took the put of my wages until I was 61 years old. It feels so amazing to be able to replace paid income with income from your ever, in Step 8 the authors recommend saving your cash in a fixed acc during your working lives. Then when you retire, you can make a stock and bond balanced fund. This tip is inaccurate at best and dangerously out-of-date at worse. My notice to young people: DO NOT WAIT! Invest in a low-cost and balanced equity and bond portfolio in your 20s and 30s!Both Steps 8 and 9 needs to be combined and ever, in Step 9, their tip about index funds, hiring a professional and watching costs are spot on. The author’s recommendations created amazing sense on the following topics:1. watching investment costs2. recommending the National Association of Private Financial Advisers for fee-only fiduciary advisers3. take on more responsibility by making your investment choices and watching your adviser’s costs4. better yet, explore how to manage your investments without an adviser (highly recommended by this reviewer)5. explore the passive tactic with low-cost index funds6. explore lifestyle fundsTwo examples of outdated and risky advice:1. They wrote (but later corrected, I think, in this step 9) that stocks and true estate are “speculations.” Nothing is further from the truth. Broadly diversified index stock and bond funds are not speculative (My comment: Investing in Ostridge farms, your brother-in-law’s business startup, or investing any of your assets in one company stock are as speculative as gambling in Las Vegas. They fail proper asset allocation and diversification).2. The following comment from a participant was atrocious and dangerous, and should have been deleted. Page 276: “…we were willing to live without health insurance. One of the by-products of working the steps was that we had because much more fearless about life, so the prospect of going without health insurance did not daunt us.”Yikes! This participant’s comment reflects a grave misunderstanding about risks. The authors were discussing equity risk in a balanced portfolio, not risking your assets by going without medical insurance. Think of the little businesses which lost everything through private bankruptcy because the owner got sick. No matter what, always test to purchase affordable health m,Steps 1-7, 9 makes it one of the best books on the general topic of private finance. Just some minor concerns about Step 7 which needs to delete the misleading comment that incomes will increase if you match your life values with your work for money. Step 8 is out-of-date with saving in bonds for your working years. Even though the authors explain further in Step 9, it makes the ending a bit confusing.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    This is the excellent finance book for someone who is now starting out and really for anyone that is trying to obtain a various perspective on cash and how they handle ever 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 simple 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 cash as your life energy, tracking your income vs 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 perfect tip so I would recommend this book to anyone looking to improve their relationship with money.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    *SO* This book was written a while ago by a middle aged lady, and the title is SUPER cheesy. However, it is so awesome!!! She espouses a theory toward life that is really a android game changer and it is even environmental. Super pragmatic. She describes a radical tracking system that makes you more aware of your spending and helps you quickly become... well a millionaire. I have no doubt about its efficacy. Lots of the references are dated, tehre should be an updated ver with things like Mint. But, I love it. Its one of those books you wish to go around giving people to support them.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    This book explains how there is more to life than just working for more cash so you can spend more money. There are a lot of studies that prove there are much better goals to focus on that have a much larger impact on your happiness. This book makes the case to shift from a consumerist mindset to a sustainable mindset. And this book provides a practical step by step tutorial to getting e old roadmap was to work until you’re 65, then rely on your company to take care of you. It worked because we were improving our quality of life. But somewhere along the way, we went from working to fulfill our needs, to working for for more comfort in our life, to working for unnecessary luxury in our r cash or your life? If someone gave you this choice today, you’d probably choose your life. But a lot of people don’t live that way. If you feel like this you’re not alone:1. You graduated college, got a skill, got a job, got a family, got car, got a mortgage2. But you feel trapped, or maybe just like you’re missing something3. Is this it? I just work until 65 and then test to spend all the cash I saved up?There is a method to choose both, your cash and your life. To obtain everything you wish out of your working life. Enough cash to pay the bills, enough challenge to feel fulfilling, enough silliness to to take breaks, enough time to recover, and much more time to spend on ... your life!

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    This book is very well written. I wish to give you one impressive paragraph from the book.. Equally impressive is the author who retired very early and used his time to things he enjoyed;most of which involved very small Money.-----The alarm rings at 6:45 , run, shower, dress in professional uniform. Breakfast, if there is time. Hop in the vehicle for everyday punishment called rush hour . On the job from nine to five, Deal with the boss, Deal with the coworker sent by the devil to rub you the wrong method . Deal with the suppliers, Deal with Clients. Give a sigh of relief when the axe of "downsizing" falls on others heads. Shoulder the added workload . Watch the clock. Act busy. Hide Mistakes. Smile when handled impossible deadlines. Argue with your conscience but agree with the boss. Five o' Clock. Back in the car. Home. Act Human with spouse and kids, Eat. Watch TV. Bed. Eight Hours of oblivion.-----The book has a lot of common sense steps to achieve financial Independence ; but a lot of are basic. Test reading The Millionaire Next Door: The Surprising Secrets of America's Wealthy and listen to CNBC Podcast of Suze Orman shows.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    A couple of years ago I counted all the private finance books that I had read (as I began to downsize my collection and obtain rid of most of them) and I counted 43. That really surprised me as I had never thought that I could have possibly read as a lot of -after all, if I had my back turned to the bookshelf I probably could only name 10. Without a doubt, this book/cd would be in the top 5 that I have ever read/listened to.Ok, so this isn't a book, but it is based off of a book, which I have read, and which is a more detailed ver of this CD. Having had read the book I wasn't sure that I would obtain as much out of the CD, but I was wrong. I have already listened to the (second) CD three times, and each time I got a small more out of it.What makes this CD so strong is that the approach is not a method, or a system, it is deeper than that, and it ties to your core values. It approaches finance by having you look at how you think and how you spend, and it shares an understanding of how you translate your thoughts into an accounting of your life energy -the limited time on earth that you have to work at your job, earn money, and be with your family. It is as much a CD of philosophy, as it is of finance. Having read the book a year earlier, and having listened to the CD afterwards I suddenly started realizing that a lot of the small purchases that I was making were only delaying my real life goals. Things that I used to spend cash on without thinking, now don't call out to me as much, and things that are more in tune with what I really want, seem even more appealing. This isn't about scrimping and saving, this is about finding your priorities and asking yourself with every purchase -is this taking me closer, or further away from my life goals? It is so empowering; your life goals are YOUR life goals -they are not someone else's, and your goals can't be "wrong". Whatever is necessary to you, is what you focus e first CD is an introductory CD, and is worthwhile listening to, but not something I would listen to over and over. The second CD, however, is where the philosophy is broken out, and where the genius lies.What a unbelievable CD, and what a unbelievable companion book. If you don't like reading, or are not sure about "studying" a book, then I highly recommend buying this CD and listening to it -at least twice. If, after that, you feel like it means something to you, then go out and buy the book.I offer this philosophy my highest recommendation. If done well, it can truly change your life.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    This is a 2 cd set where the author talks you through why you wish to transform your relationship with cash and how to do it. The reason why you may be interested in this is if you are finding yourself low on funds and don't feel you have much to present for all your spending. This cd will support you become more financially aware of how you're spending your e reason I gave this 4 stars instead of 5 is because the author doesn't have concrete suggestions for how to track your funds. She makes some suggestions like writing your expenses down on a slip of paper or keeping your receipts and tallying them either using a computer program or by hand.What would have created this a 5 star program is if the author had given more specific recommendations for how to track expenses so that readers could first obtain a very clear picture of how their cash is falling through the cracks. Judy Lawrence has written a book, The Budget Book. In my opinion, that book is not titled correctly - it should be called The Financial Awareness Book. If you adapt the categories she suggests to your own needs and look at where you spend your cash and carefully track it, I believe you will search out why you are not "getting your money's worth" in terms of making your financial choices match up with your real intentions. This is very necessary info to accumulate and it takes a while to really integrate your values with your choices.If you use Vicki's cd with Judy's book, I think you'll search you have the tools you need to increase your financial awareness and slowly but surely your choices will become more aligned with your private is author has a very conversational and approachable style which helps you ease into what can be a very anxiety ridden subject. This is a amazing put to begin gaining financial awareness but it is incomplete because she doesn't support you really obtain a handle on what you need to do to create the right financial changes for your own special situation.

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    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 review [Book]  2018-3-9 18:1

    I read this book in 2001 after my husband died and I was still working. I was 50 years old, now a widow and my job was not satisfing any more. I was depressed, sad, and frustrated. The 1993 ver and this are simular but this one is taken more from 2008 experience forward. Both are amazing books. After reading the forst ver in 2001 I began to define "ENOUGH" for me and retired that same year. Never have regretted it. This fresh ver continues and mirrors the first version. But looking at the 2008 aftermath as well. I loved reading it again at the library and decided to own it. It is the kind of book that every time you lose your path helps you to obtain back on it.

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    I came across this book while looking for something else. However, "Happy Money" really was what I required to find. The author explains in a straightforward manner the concept of flow in relation to giving and receiving, and how that works on an energetic level. In fact, what she says in this book really resonated with me in particular, because I've been learning a lot in the past couple of years about energy and why we all have a vibrational frequency-most aren't aware of-that we're broadcasting ing this easy 2-step process that the author suggests actually shifts any fearful thoughts and negative emotional energy you may have regarding money. Once you shift that negative energy about money, more of it will flow into your life. Depending on your background, you may search this hard to believe. However, if you'll do this as an experiment and reserve judgement, you'll be glad you did.I thoroughly enjoyed the manner and spirit in which this book was written. It's short, to the point, and relays the necessary info in a very clear and concise cause I understood on an energetic level why this "should" work, I started doing the easy process immediately. A couple days later, my husband and I received a totally unexpected check in the mail. I've been doing it once a week ever since, and I continue to keep items I never did in the past. Plus, it feels so amazing knowing you're having a positive result on other people's at being said, I wish to reiterate something the author mentions in the book. When you begin doing this, cash will come in a lot of various forms. It will be everything from cash, checks in the mail, unexpected credits on purchases, coupons for things you actually buy, a lower bill than you were expecting and even out of the blue bonuses or raises at work. So don't lock yourself into thinking it has to only come in the form of money or it's not working.I highly recommend this book to anyone that has any type of financial stress in your life. It's well worth the 99 cent investment. My only comment to Laina Buenostar, the author, is Thank You, Thank You, Thank eila Dill--Author of "Gratitude's Power" and forthcoming book "The Key"

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    This book is invaluable! The writer place this in easy terms that we all can understand.We are using her concept and it is starting to pay off. We had watched "The Secret" over and over, but couldn't turn the cornerand obtain things changing. This seems to be working and I love the EAT BOOK!!! Well worth the read.

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    Bought this a small over a month ago (the ebook) - I have to say that I believe it does work. I first learned about the energy flow of "money" (actually paper cash has nearly nothing to do with cash - it's mostly mental/spiritual) through Cappi Pidwell's "Mental Cash Mastery" and it is the very same concept. Cash must be kept in flow, not stagnant & given with the heart. I test to leave the $1 bills a few times a week, so about $10/mo. Had a VERY unexpected thing happen almost immediately - got a tenant in a very hard-to-rent put that I own, but cannot sell because the shop is too low. Latest year it took almost 5 months to search someone. That tenant was moving out after a year and she found fresh tenants for the put without me having to advertise & no vacant time. So relieved. There have been a few setbacks in $ but overall, I feel like the flow is significantly more in my favor! Plus it feels really amazing to think about those finding the notes/bills. I write "May all your days be filled with Love, Happiness, & Wealth. Use It. Pay it forward when you can. The Universe is working for YOU. --'Happy Money' "

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    If you are like me and have sat back wondering why those that are rich are getting richer and those that are not good stay that way. Maybe it is due to the fact that these people may know something that we all don't. In the book I came across titled Satisfied Cash (Increase the Flow of Cash with a Easy 2-Step Formula), I along with a lot of that have bought the book have discovered the power of wanting something and making it so with the power of positive thinking. Too often a person will not create the required changes because they feel that they are simply too hard or that manifestation will simply not work.While I was looking into this topic, I also came across this other unbelievable book titled Manifestation Magic: Attracting Abundant Wealth, Wonderful Health, Amazing Relationships, and Limitless Success into Your Life. This I have to admit was a android game changer in my life. I had always heard people that said that they hoped for something and that it just happened out of nowhere but I had not myself been able to see this happen in person. That changed in a huge method after reading this book and seeing that if I wish to have more cash that the power was simply in my hands and that I alone could create it happen or not.Happy Cash (Increase the Flow of Cash with a Easy 2-Step Formula) is one of the better books on the shop to helping a person achieve the goals that they are seeking out in life. This along with reading Manifestation Magic: Attracting Abundant Wealth, Wonderful Health, Amazing Relationships, and Limitless Success into Your Life, will be the combination that you need to hold in mind to support and tutorial your dreams of getting ahead in terms of cash come true. While no one can expect to be a millionaire overnight, there are a lot of people that when harnessing the power of positive thinking can create their dreams a lot more of a reality.

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    This book is incredible. Thank you Laina for your awesome small book! This is one of the shortest, yet best works on abundance and the law of attraction around! I have started applying her tip and in 14 days, miraculous things started to happen!1. The payment from a client living on the other side of the globe arrived.2. I wrote my first ebook and sold 7 copies in less than two days with basically no marketing at all3. A fresh client called me out of nowhere and requested consulting services. In the end, she was so happy that she payed me 30% more on top of my price!4. A court decision regarding a business deal that I wasn't payed for ruled in my favor and cash stemming from it is on its way.5. I got free products from a businesswoman whose services I recommended to a mate of mine.8. A got an awesome fresh business proposal in a niche which is one of my strengths.9. I got refunds from the utility companies because they created wrong calculations and I overpaid the bills.I have bought and sent this unbelievable ebook as a bonus to 4 mates already! Laina, thank you again!

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    Wonderfully easy and simple to follow instructions on how to let prosperity into one's life. We live in a truly awesome time, despite the dire nightly news; we live in a time where info is available to the masses about how to have fun an abundant life. That in itself is amazing.

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    I absolutely LOVE - *LOVE* - this ebook. I purchased it on a whim a lot of moons ago and the idea thrilled me so much that I started setting aside a set percentage of any cash that came in specifically to share the love around, whether it be the method Laina suggests or just by having cash that you're obligated to pay forward, in addition to recommending it to my biz mates and purchasing/gifting a copy to a client of mine. I think my favourite 'Happy Money' moment was when I was able to buy coffee and breakfast for a single mother who was wrangling three kids under 8 at my favourite local cafe. It was a delight!

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    Worth the price of admission for step one alone - a novel, fun, almost magical exercise that I can't wait to use, and will create a habit out of. It's something I never would have thought of on my own, and whether or not it will bring me more money, I know it will bring me and others joy and delight.Minus one star because it needs some editing, but not NEARLY as badly as some other self-published Kindle books I've read - these typos are minor and not really distracting, and the writing is otherwise coherent.

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    As the one review said, "best 99 cents I ever spent!"I started one week ago, left $1 and blessed it one hundred fold and immediately found a Fitbit that some one lost in the bushes. Brand fresh and worth $100. Then I did the same thing the next day, left $1 with a hundred fold blessing. 5 days later received a commission check for $97 completely out of the blue. I just did another bill donation, and am waiting to see what manifests.

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    Happy Money (Increase the Flow of Money with a Simple 2-Step Formula) review [Book]  2017-10-13 21:18

    I just wanted to tell you that one day after I tried this technique, I received an email from my former boss asking me to do a beautiful simple odd job, which I can do in a day and will of course be paid for. The next day, which is today, a person who owes my mom a lot of cash came to our house and paid her that amount. I don't know if the effects of this technique is transferable but I live with my mom (I live in a country where powerful family ties are much appreciated, by the way, so don't tell me to go search my own place) and we share financial resources, so I'm counting that as an result of doing this 's only been two days and I've seen the Satisfied Cash technique working for me. I'm still at the scene where I'm having a hard time believing it, but hey, the money's here! Thank you so much to the author of this book for sharing your knowledge with us.

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    This is a 100% Must-Read for anyone who is thinking of starting a coaching business or has started and needs direction. Christie lays out the REAL options for making cash as a coach. She lays it out so clearly: here are the ways you can create money; the pros and cons; what your next steps should be; and the tools you need to [email protected]#$%!. Simple, honest, and, oh by the way, Christie is hysterical! As she says, it's not all unicorns and rainbows but with this information, you will surely have a brilliant roadmap to obtain you started on your method to a successful business. I WISH I had something like this when I started. It would have saved me months and months (years?) of throwing items at the wall to see what sticks. Amazing thing you're smarter than me and know to listen to experts like Christie.

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    I love this book! It's simple to read, straight forward, and provides you with a tactic in building your coaching business. I am a single mom and have considered coaching and how to build a business as well as whether I could do it and help my family. Christie Mims does a amazing job at outlining the various business tactics you can take with your company and the pros and cons of each. It has really helped me to understand the various approaches to starting a successful coaching biz and I wholeheartedly recommend any fresh coach or potential coach to read it.Above all else, the writer's voice is fun and enjoyable to read so you may wish to read it all in one sitting!!! The content is intelligent but the language is fun - love the references to chocolate and wine - two key things for me in building my business through the ups and downs!Buy this book!!! It's awesome.

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    If you're considering starting a coaching business, begin with this book! Each chapter in Cash Paths outlines various ways to create cash - and things to consider for each path to clients and cash. As an experienced coach, I want this book was available before I started - it would have saved me a lot of time, research and money. Now, it gave me some amazing info to consider before trying out a fresh approach that I may not have considered before... or was gung ho about. Such a great, short book to support move your business forward, obtain clients and search the best method to fit yourself into your coaching business.

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    Life coaching is one of those professions that seems really mysterious. This book is a unbelievable resource that strips all that mystery away. The author walks you through potential revenue streams and outlines the upside and pitfalls for each. There are even specific recommended resources. Absolutely unbelievable read!

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    Whether you are just starting out as a coach or are looking for ways to make extra revenue streams, this book is for you! Cash Paths is based on Christie's proven, real-world experience on what it takes to create cash as a coach. She offers practical guidance and maps out various "paths" for generating income. Highly recommended!

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    A refreshingly optimistic yet realistic overview of today's coaching globe without the hard sell. Helpful resources and friendly invitations to learn more, presented in a confident and upbeat, quick-read package. A easy cure for the common overwhelm faced by fresh coaches. Not an end-to-end guide, rather a sensible put to obtain started.

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    An simple read. The book is full of amazing info to support you decide if you would like to pursue any one or all of the cash paths. Real to herself, Christie is light hearted and playful in her tone, making it a fun read!

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    Christie provides a roadmap that is simple to follow for anyone interested in coaching (or services for that matter) to follow. The tip is honest and built based on experience.

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    Amazing resource for anyone looking for a clear idea of what's involved with creating an income from consulting/coaching. Amazing overview of the pros & cons too.

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    Money Paths - 6 Real Ways to Make Money as a Life Coach review [Book]  2018-4-4 18:1

    Kudos to Christie Mims for her newest book! She quickly and easily uncovers the "real ways" to create cash ... something that is sorely missing in this arena. It's too simple to become distracted with Shiny Object Syndrome, and I know too a lot of people who have literally spent hundreds of thousands of dollars on tactics that simply Did. Not. Work.I want I could pick a favorite concept (or even a favorite chapter!) but the truth is, you'll obtain to choose the tactic that best works for YOU. Tip: Use them all, because all 6 tactics can be home runs. This is your business plan in-a-box. You can begin making cash ... BIG cash ... while all the others are still scratching their small ol' heads. Why wait?If you are looking for fast hints to obtain you moving, now, now, NOW—this is the put to start!

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    अगर आप यह रेफर कोड़ 👉 181👈 500 ₹ दीन मिलेगा जल्दी से लुट लो भाई रेफर कोड़ 👉181👈 Use Real (181), this application is really great(BCR6414). But it consume to much mobile data too(4N8Y4O). I think it will be much greamter if user could pick which video they wish to see rather than playing all of them automatically

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    अगर आप यह रेफर कोड़ 👉 13825👈 500 ₹ दीन मिलेगा जल्दी से लुट लो भाई रेफर कोड़ 👉13825👈 Use Real (13825), this application is really great(BCR6414). But it consume to much mobile data too(4N8Y4O). I think it will be much greamter if user could pick which video they wish to see rather than playing all of them automatically

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    अगर आप यह रेफर कोड़ 👉 1325👈 500 ₹ दीन मिलेगा जल्दी से लुट लो भाई रेफर कोड़ 👉1325👈 Use Real (1325), this application is really great(1325). But it consume to much mobile data too(1325). I think it will be much greamter if user could pick which video they wish to see rather than playing all of them automatically

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    अगर आप यह रेफर कोड़ 👉 1325👈 500 ₹ दीन मिलेगा जल्दी से लुट लो भाई रेफर कोड़ 👉1325👈 Use Real (1325), this application is really great(1325). But it consume to much mobile data too(1325). I think it will be much greamter if user could pick which video they wish to see rather than playing all of them automatically

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    अगर आप यह रेफर कोड़ 👉 481👈 500 ₹ दीन मिलेगा जल्दी से लुट लो भाई रेफर कोड़ 👉481👈 Use Real (481), this application is really great(BCR6414). But it consume to much mobile data too(4N8Y4O). I think it will be much greamter if user could pick which video they wish to see rather than playing all of them automatically. Hope you reach this review. Thanks a lot

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Very amazing apps for join 481 for 300 rs bonds Very amazing apps for join 481 or 481 Refer of Sponsore enter 481 or 481 appss enter id or Amazing appss Invite plz id 481 or 481 its really Amazing app you can explore fresh applications EMHXWC The application works so amazing so far. Haven't tried to money out yet and guess that will be the true test. Refer me and we both obtain oinsto obtain more prizes Amazing application simple to use making money is slow but much better than other related apps that i have tried

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    481 Very amazing apps join Text you copy will automatically present hereVery amazing apps for join 481 for 300 rs bonds Very amazing apps for join 481 or 481 Refer of Sponsore enter 481 or 481 appss enter id or Amazing appss Invite plz id 481 or 481 its really Amazing app you can explore fresh applications Nice The application works so amazing so far. Haven't tried to money out yet and guess that will be the true test. Refer me and we both obtain oinsto obtain more prizes Amazing application simple to use making money is slow but much better than other related apps that i have tried

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    unbelievable app (use refferal id 4741 ) for online earnings. use this referral id and earn 300 rupees. guys go for of best app for online eaning. use (referral id 4741 ).very amazing app to ry amazing app he . then your downline people satrting present you. best online earning without investment go for ease use referall id 4741. Ghar baite apne Mobile se lakho kamao. guys go for it. don't wait guy's just do it....use refferal id 4741 . go for it .. awesome.

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    100% Fake Application don't use anyone this application guys hundred percent fake application hai

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    bHut achi application h mujhe bhut achi lgi paise b ache mile or aate paise kishko bure lgte h kyo to m to yhin bollungi k aap b ish application ko ek bar jrur use kre

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    1 refer 1 rupees kiu please reply. minimum redeem 250 se 50 Karo

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    🍒My Refer Cod : 13 Ok hey guys yeah app 100% genuine app hai [email protected]#$% aap is app ko use kar sakte ho Mujhe first payment mil gaya hai bahut badiya app hai

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    not able to login via Facebook, if this option is not working then why its showing while sign-up...worst experience

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Aab mere ad 12 se count nehi ho raha he

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Thik is Fake App. Please don.t downlod

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    रेफेर कोड ▶️1️⃣1️⃣6️⃣2️⃣2️⃣ ◀️बहोत ही अच्छा एप्लीकेशन हैं घर बैठ के कमाने के लिए रेफेर कोड ▶️1️⃣1️⃣6️⃣2️⃣2️⃣◀️ डाउनलोड करें और रेफेर कोड ▶️1️⃣1️⃣6️⃣2️⃣2️⃣ ◀️यूज़ करें और घर बैठे फ्री मे कमाई करें टीम लगाए और एक्स्ट्रा इनकम करें यूज़ करें रेफेर कोड ▶️1️⃣1️⃣6️⃣2️⃣2️⃣◀️

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    बहुत प्यारी एप्प है !! पैसा कमाने के लिये रैफरल कोड 6087 अपनाएं

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    This application is verry good. This application is give us true cash and test and download this application and add my ID ank you

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    abhi to Kuch nahi bol sakte chalne ke baad baata denge

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    beast application hohey cash

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Hello 1 news begin 15 II and III Paisa only

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    gadiya application 50 rs karne mein 50days lgai ga

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    very amazing application jo sub ko 💰 cash earning ko possibility de rahi hai

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    a very amazing application refer no 3263

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    Honey Money - Make Money review [App]  2019-1-2 21:11

    I LIKE THIS APP THIS IS EASY WAY TO EARN MONEY FOR STUDENTS

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    self earnig ke liye thik nahi

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Honey Bast Application US my referral -54 and full help and explain refer code -54

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    nahi malum kaisa application hai

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Application baar baar stop horahi hai

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    बहुत अच्छा है भाई

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    very poor application

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    payment ke poor

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    super application nice earnings application us my refral 13890 only true refral 13890

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    MERI REFER COD ⚘👉 10881

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Honey cash application is very amazing and my experince thanks for honey cash

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    Very Amazing application, i trust to earn in this application very amazing

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    No video available every time..... Why

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    this application usful and very amazing aap and power full aap and lucky aap super

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    globe best earning application use my refer coad 12

    0  


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    Honey Money - Make Money review [App]  2019-1-2 21:11

    very amazing application my referal 2858 please join

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