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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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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    If this application is so good, why is it that when I downloaded the application and opened it, it sat on a white page for ten minutes, then chop to a short script that read something like this: "Error. Could not load page. CONNECTION TIMED OUT." This happened twice, on two various devices. What a pathetic excuse for an app. Maybe you people should spend your time doing something productive instead of creating useless, crappy apps to mislead people.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    This is scam. Don't download this app. It's been 2 days now and I haven't received my payment yet. I've done everything they ask me to do to process my payment but still I haven't received it. This is fake. Honestly. You can't earn that kind of cash online. Nobody would give such huge amount of cash just by sharing, inviting friends, downloading apps and taking surveys. Think about it. If I obtain my payment I WILL GIVE 5 STARS and very amazing review

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Hi.....I am from India. I have already completed my task in this website on 11th Aug'19. But till now I never received a single dollar from this side. I Could not begin my website through my password because error my password massage.when I press forget password option then this website could not able to permission for fresh password through my email address. Its a FAKE website for all people. If anybody doesn't believe me then you must be lost your Bank Account. Already I have lost 150 dollars.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I recommend this application to everyone that wish to be earning cool cash without stress, I would have give the full 5 star but I haven't keep my payment yet and I'm sure I will keep it, I will give a 5 star once i keep my first cash-out but 4 star for now because it simple to understand their rules & instruction and simple to earn money. I'm done with my withdraw request. Thanks.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I did not keep my first payout up to now. Don't download this application suspicious scam app. No one are paid. All payout are under review. And Application Money out there's something wrong it allow you always download their Application even you had already downlod it and gave a review. This looks like a Scam. I have removed all my referral link post in all social media since this Application dont really pay. I never keep a payout and my acc was freeze.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I already reach the requirements to obtain my first money out,but still,even if I loged in my acc to this application it hold asking me to download this app..,this is not a paying application so don't waste your time here because this application is a ey only wish you to promote this application so they can earn a lot of cash by your could this kind of application approve by google play?WORST APP EVER!

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    i have been a member of this website 3months ago. i reach all the minimum requirements they asking for payout. but my withdrawal is under review untill now. thats why if i saw some post in facebook regarding this website i certainly told them to stop using that website because its not a paying site. i have been surprise tonight when i got an email saying that i am eligible now to cashout my earnings . then when i begin this website again and test to withdraw they ask me to download their application in playstore.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Viral Shop is the best online cash making website/App, I have come across so far. Based on my experience, I can say that it is very various from other related websites/Apps, which runs ponzy schemes and hack investors by fraudulently inviting their investment and siphoning them off. AT Viral Market, the best thing is that no investment is needed and you can withdraw your earrings just after a few days of sincere effort. You are also ensured of a very high rate of return for the time spent on completing mundane task like completing, quizzes, etc. Therefore, it qualifies for the best online part time job. It is worth trying. In 20 days, I have earned $ 1294!

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Am very satisfied I money out $is application is very amazing to create cash from your home. Give you and register, share your link with mates to so they can create cash from here. You just have to be patient and complete all process and earn your cash small by little. And don't test to do anything fraudulent so they won't freeze your acc thank you very much and am very very satisfied I located this app. Share with friends. I recommend for everyone it is very amazing and not a scam. Download, register and share link. Thank you

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    The application is user friendly, you are able to navigate and view your zone of interest, it's contrast is marvelous, the most necessary thing is that you are able to money out using the application. Initially I used to really struggle with logging in using find engines, it used to take me alot of my time, bundles, money, I almost gave up, but now with the application, everything is now very easy, effective, efficient and user friendly. So I urge to download this application from the Google play shop and test

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I think viralmarket is the best application for online earning. I have already submitted my 1st withdrawal request through paypal. My 1st money out their under review. I hope very soonest they will paid my earnings my paypal account. Now i give a 5 star. when i received my payment then i will comment another post.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    This is a very poor app...It is a scam.... It doesn’t give us moneyy.....I requested my cashout...but they are not giving mee.....I suggest all of you to flag as inappropriate.... And report this website..... If they give my money...then i will withdraw my review....And I will givee a amazing review.....Not only mee.....I have 25 people....who worked on this.....they will also report your website...And Flag as inappropriate.....

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I have been a member of this platform for 2 Months now and I have submitted my 1st money out request which I am awaiting to receive. however, downloading this application as a task for my payment to be processed is so, so amazing and a welcome idea. I trust this will be a platform where I will create cool pay and will introduce more of my mates to this amazing and unbelievable method of earning cash online by doing simples and earning rewards for just doing that.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I am from India. This website namely viral income is a unbelievable high gain cash making website in the world. I have submitted the payment request for the first time to the viral shop administration for early payment and i think they are so kind enough to create payment early. Everybody is requested to please create contact with this website and my belief that you will gain large income in future.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    It's really awesome. I'm really inspire cause I would create a huge amount within 2 I complete my requirements and request for my withdrawal. I hope they comformly paid the amount as soonest. I'll post another review after my request is done. It's a amazing opportunity for who searching another job. so don't anyone miss this opportunity.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I'm done with all the task and now I'm still waiting for the approval of the cashout. I really don't know if it's a legit paying website because I have no idea at all about this application before. Now I'll be waiting if it's false or true. Ill change my review soon if I have already got my first cashout on my paypal account! Thank you!

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I will give a 5 star if I will keep my first cash-out. 4 star for now because it simple to understand their rules and instruction. Done with my withdrawl request. I will notice if I already obtain my first cash-out.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    The application looks standard and the website okay, however people have problems believing about online cash making and they have no interest in viral market. My testimony would change the whole story and you can obtain more traffic on the site. If this works, I don't mind being an ambassador here in Nigeria (Enugu).

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    SCAM - Do not be decieved with viral market. NOT A PAYING SITE. NOT ONE GOT PAID HERE. They will just collect your email address and will allow you download android games and Fool you. WASTE OF TIME AND MONEY. STAY AWAY FROM THIS SITE. IT IS A HIGE SCAM.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    ....I am Hanad Omar from Somalia. I have already completed my task in this site. and I think I should keep my payment as early as possible after my review task. Really its a amazing website if I will obtain payment from this website then Its a very helpful to those people who are already unemployed. Create cash the easiest method via Online .

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I have been waiting for my payment but it's busy saying I should download the application and I have downloaded it but still nothing. This application doesn't seem to work. I'll come back and change my review if I obtain my payment. This doesn't work at all

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    It's a stupid app, no one has received any payouts... I've been waiting for mine since May, and nothing has happened till today... So I strongly recommend you don't waste your time valuable time on this stupid application

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I can't believe this app. At first i thought this is fake .but since i used this for one day and one night i was so satisfied ..this application is very legit .. I gave this application a 4⭐ because i didn't recieve yet my pay out.oncei recieved it.i will create it 5⭐ .. I am so very thankful with this app ... Thank you to the person who made this..

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Awesome application that can be used to create cash online. I tried this application and its very user-friendly and comfortable to earn money. I recommend this application to everyone. is is a sponsored review.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    This is application is nothing but a bumch of BS. i cashed out almost a week now but no updares regarding the status. i have downloaded the said up and left agood review as instructedon the money out section. Now, its still asking me to download the said application again and place a revirew as well.. What the hell is goimg om...

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Allow me the truth,,,this application is not giving you any money,,,, i earned $378(JULY/2019) but i did not received any money,,, DONT WASTE YOUR TIME,,,,,, if it will pay me then i will comeBACK to change the above statements,,, ZERO STAR APP

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Create Cash Online so amazing app... Hi.....I am Sujon from Banglades. I have already completed my task in this site. and I think I should keep my payment as early as possible after my review task. Really its a amazing website if I will obtain payment from this website then Its a very helpful to those people who are already unemployed and I will give to this website 5 star.....

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Hi.....I am aktarul from Bangladesh . I have already completed my task in this site. and I think I should keep my payment as early as possible after my review task. Really its a amazing website if I will obtain payment from this website then Its a very helpful to those people who are already unemployed and I ...

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I have been a member of Viral shop for 2 weeks and i already created $1165 i have met all the requirements and my payment is still under review i am sure i will obtain my cash after i have done my review. I love Viral Market, i think its the best method of making that additional money ,especially for people li...

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    The application is user friendly, you are able to navigate and view your zone of interest, it's contrast is marvelous, the most necessary thing is that you are able to money out using the application. Initially I used to really struggle with logging in using find engines, it used to take me alot of my time..

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I am fresh using this app, i followed instructions they gave and have created $1,100. I have followed requsting for cashing out the cash as i met the requirements for cashing out. I wait patiently with the hope of getting payment ☺. I would be very greatful to viral shop after getting my pay and thats when they will deserve my 5 star rating

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    my view is that anyone who has access to this amazing opportunity should take it up, it is a blessing. I got it through a mate and when I tried I, I realized it is the best source of cash I have ever had in my life and I think this will transform me. I have also sent it to most of my mates and they are embracing it. I'm therefore encouraging all to also take it seriously because it will solve their financial issues and change their lives both at the household and community level. I'm happy.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I have been recommending this www service to anyone even at the time when i never been paid, I so much believed in the app because its true as far as the person who reffered me is concerned, he has been paid and believe my money will be proceed and paid soonest... For me whether am paid or not i can give it ***** I mean 5 star......

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I have been a member of Viral shop for 2 weeks and i already created $959 ,i have met all the requirements and my payment is still under review i am sure i will obtain my cash after i have done my review. I love Viral Market, i think its the best method of making that additional money ,especially for people like me, stay home mom ,and people who are unemployed.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I just love this application and their www service is getting better everyday. I recomend it to everyine it is the simplest and fastest paying website. Viral shop just added fresh ways of earning that is- YouTube submission, Instagram, and Snapchart scream out posts for 24 hours which will create you $50 every day. I just withdrew $597 via anks to Viral market.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Viral shop is very hot in the social media which give you an idea to earn and to create business . It have a amazing transaction . Now my acc was reach for the requirements , i hope it will approve . I give this application 5 star because it has a amazing and smooth transaction.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Create cash online... First of all. What u gay's think. Wee are not a fool. Give me my payment as [email protected]#$% possible. Nor we will gone a bee stop using this application Solution payment problm and give me my cash as soon as possible Thank you

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    It's awesome, simple, guaranteed and recommend, it works just as described, all you need to if follow all the instructions carefully and you will obtain yourself earning huge time.

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    Nice application profrmanc I already reach the requirements to obtain my first money out,but still,even if I loged in my acc to this application it hold asking me to download this app..,this is not a paying application so don't waste your time here because this application is a ey only wish you to promote this application so they can earn a lot of cash by your could this kind of application approve by google play?WORST APP EVER Gud luck

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    Make Money Online | How To Make Money Online review [App]  2019-8-22 21:18

    I love this application is very simple and OK to use.... It a very amazing app.. I have completed the task and have been confirmed for money out am waiting for my money out hopefully too obtain mine soon....and I don't know why... Since have install the application on phone... It hold on tell me it will be install soon.. In my own opinion I tot it should just cashout when you have been comfirm for cash. Like I said it a very amazing simple too use no ad or stress I hope I obtain my cashout beautiful soon.............. thanks...

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    Money Maker - Make Money Online review [App]  2018-2-6 13:6

    Cool

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    Make money - Game Money Lucky review [App]  2018-11-19 21:9

    No

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    " You can obtain cash on the acc of kiwi, webmoney or any other way, but this is not guaranteed, nor do we intend to hold your winnings"... so, why would someone waste their time ? ridiculous 😒🙄👎👎👎

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    Давно искал приложение для заработка в интернете без вложений андроид с выводом денег. Наткнулся на это. Мне очень понравилось, сделано профессионально, четко, без технических ошибок. А самое главное - мне покезло и я теперь зарабатываю сотни рублей без вложений и риска! Спасибо разработчикам!

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    Приложение нормальное, не знаю что тут пишут те, кто плохо пишет ))) Монетки прекрасно собираются как за просмотр видео, так и за игру. Лайфхак вам, когда играете, то ставки делайте с умом! Когда число очень маленькое (20-30) тогда делаейте ставку на то, что следующее будет больше и размер ставки увеличивайте, и наоборот!!! А когда число около 50, то играйте на маленькую ставку! А так все нормально, только деьги идут медленно, потому что выводят раз в день в рабочее время, имейте это ввиду!

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    yes I Like 2 Play now

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    its ok for now....i wait to earned

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    I just started don,t know much yet

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    gg

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    amazing application

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    constant thoughts test think unthinkable??? search fun and entertaining... now if could just continue to victory and not lose all... lol

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    if realy can obtain cash is amazing lo

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    amazing android game 👍

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    amazing application

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    приложение просто класс. лучший биткоин кран на андроид который когда либо устанавливал вывод моментальный рекомендую !

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    Games with money. How to earn money. Win review [App]  2019-3-29 13:9

    amazing

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    Earn money - learn to make money online review [App]  2018-8-7 21:6

    Amazing application to learn how to earn cash online

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    Earn money - learn to make money online review [App]  2018-8-7 21:6

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    Earn money - learn to make money online review [App]  2018-8-7 21:6

    Amazing application

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    Earn money - learn to make money online review [App]  2018-8-7 21:6

    amazing application to learn how to earn cash online

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