Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018

There are two parts to this step: A. Find out how much money you have earned in your lifetime—the sum total of your gross income, from the first penny you ever earned to your most recent paycheck. B. Find out your net worth by creating a personal balance sheet of assets and liabilities.

And here is where this program is different from the tens or hundreds of other recipes for fiscal health. It is based on consciousness, fulfillment, and choice, not on budgeting or deprivation.

Reaching your Crossover Point is a mighty accomplishment. You haven’t been turned out to pasture by someone else. You’ve restructured your life around what is most fulfilling and valuable to you. You have dedicated yourself to replacing financial fiction with financial facts, challenging many old beliefs about yourself, your money, and your life. Y

Along with racism and sexism, our society has a hidden hierarchy based on what you do for money. That’s called jobism, and it pervades our interactions with one another on the job, in social settings, and even at home.

As Annie Leonard vividly shows in her short film The Story of Stuff, our appetite for things drives a one-way trip for resources from the earth to factory to store to our house to the dump.

Endless desire is one of the pitfalls of human nature, and one of the first things you need to cure if you want to get ahead more quickly.

The myths of “growth is good” and “full employment” established themselves as key values. These dovetailed nicely with the gospel of “full consumption,” which preached that leisure is a commodity to be consumed rather than free time to be enjoyed. For the past half century, full employment has meant more consumers with more “disposable income.” Thi

SUMMARY OF STEP 3 1. Discern your unique spending and income categories and subcategories from your month of tracking income and expenses. 2. Set up your Monthly Tabulation. 3. Enter all money transactions in the appropriate category. 4. Total your money spent in each subcategory. 5. Add up total monthly income and total monthly expenses. Total you

Winning isn’t having the most toys. It’s having precisely what you need and nothing in excess and being able to stop playing the game at will. Knowing money is life energy allows you to maximize and optimize your most precious resource: your time; your life.