The concepts of "enough," "fulfillment," and "balance" are central to the program. The program has nine simple steps anyone can do if they have the ability to think introspectively and use a four-function calculator -- no matter their income level, living situation or background.

Those following the nine steps in Your Money Or Your Life or the original audio and workbook course, Transforming Your Relationship With Money are able to determine what is important in their lives, discard the rest and end up with enough money and a lot more life. The result is having enough time and the financial resources to focus on those truly important things -- family, friends, community, volunteering, hobbies, dreams.... In fact, many participants in the program eventually find themselves at a place where they can leave paid employment entirely.

A Realistic Alternative

Your Money Or Your Life is a realistic, achievable alternative to the "American Dream" of more... faster... bigger... better. It is not a get rich scheme. If you become monetarily rich, it will probably happen slowly. However, it is also not about living in poverty or self-inflicted deprivation. It is about following a realistic, achievable, step-by-step, day-after-day financial management program that puts your own personal financial life in line with your own personal needs, goals and dreams. It is about taking responsibility for what you earn, how you earn it, how you spend it and how you save it.

As co-author Vicki Robin says, "How you spend your money is how you vote on what exists in the world."

Please Note: Although the program and many of the materials it uses were created in the 1990's and some of the examples, facts and figures it uses may be dated, the core philosophy and nine-steps of the program remain unchanged. They still work and are being implemented successfully by hundreds of thousands of people from all backgrounds and income levels from around the world.