A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold “The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It "This is a wonderful book. It can really change your life." -Oprah For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money. Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to: • Get out of debt and develop savings • Save money through mindfulness and good habits, rather than strict budgeting • Declutter your life and live well for less • Invest your savings and begin creating wealth • Save the planet while saving money • …and so much more! "The seminal guide to the new morality of personal money management." -Los Angeles Times

Step by step, Stowers leads readers through his simple, sometimes surprising principles of success and offers the opportunity to get started on one's own strategies for investing. "Superb advice from the ultimate pro".--Malcolm S. Forbes, Jr. Charts.

Discover the ten key issues to achieving your financial goals and how to use them to realize your dream of financial independence From saving to purchase a first car, to putting kids through college to planning for retirement, to preserving your estate for your loved ones, our financial goals change from one stage of life to the next. While those goals and the challenges we face in achieving them may differ, all of them have certain things in common. Saving, budgeting, managing debt, minimizing taxes and living within your means. These are a few of the 10 Key Wealth Management Issues which come into play (to varying degrees) when working toward specific financial goals. But there's one goal for which success relies on all ten keys coming together in perfect harmony: financial independence, also known as "Point X." No matter how you define it—whether it's a retirement income of $25,000 a year, or an estate worth $250 million—your future financial independence requires that you deal effectively with all ten key issues. And now this book shows you how to get it done, along with the guidance of a trusted advisor. Supplies you with a complete roadmap for arriving at "Point X," financial independence with key milestones and important twists and turns clearly defined Identifies the 10 key wealth management issues and offers priceless advice and guidance on negotiating each on your road to financial independence Provides you with both success and failure stories so you can learn from others' real life experiences Provides you with tax planning facts and strategies within the wealth management issues that will show you how to minimize your most significant expense and at the same time maximize your savings on the road to your "Point X"

This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work. This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work. As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.

From the Author's Preface: The author, realizing that for this work to accomplish the object in view, that of giving to our country a financial system in keeping with our American ideals, the logic of the situation, and the desire for a change must reach the masses of the people, who now look upon finance and financial institutions as something beyond their understanding and above their control; so that, in presenting this brief work, the avoidance of technicalities and intricacies has been ever uppermost in mind. The idea presented here is new and very contrary to the universally accepted theory. So the author has endeavored to make it clear to all, preferring to risk tiresome simplicity and repetition rather than lack of understanding. Money or finance is the foundation of civilization. Every civilized human is more intimately concerned in a proper financial system justly administered than in any other human institution. As the happiness and well-being of all are vitally affected, and as we are all interdependent each upon the other, it is the clear duty of every citizen to understand, and to see that his neighbor understands; so that the existing evils may be corrected for the benefit of all. The reader should realize that the matter in hand is too important to all of us to be lightly dismissed, even should he not agree with the author on either the cause, the remedy, or the result. There must be something radically wrong; otherwise we' would not have had Pujo Committee investigations, the Anti-Trust Laws, the Laws Prohibiting Interlocking Directors, the Federal Reserve Act, and lastly, the Act Providing for Rural Credit Institutions, as a few of the remedies which have been administered, all looking to the curing of acknowledged defects in our financial system. Should the diagnosis here offered be admittedly correct, and the remedy suggested be logically proven a specific, we should not hesitate to administer it because the treatment seems heroic and the result Utopian. This little work is not the result of theoretical learning and of academic study, but of a varied business experience gathered in many fields of endeavor, and is not the plaint of one who has lost in the fight, but is the clarion call to those who love fair play and are neither too weak nor too indolent to demand justice.

The definitive guide to financial independence at any age! Retiring early is not limited to lottery winners or the super rich. In fact, with proper planning, we can all retire at a younger age than we ever dreamed—but only with the right plan. Personal finance expert Deacon Hayes explains the practical, concrete steps you can take to start your retirement when you’re young enough to thoroughly enjoy it, including: *Developing a personalized retirement plan *Maximizing income *Understanding opportunity cost *Assessing and reducing debt *Selecting the right investment vehicles *Sticking to the plan With Hayes’s guidance, you can achieve financial independence and enjoy an active, happy, and long retirement.