Your Money or Your Life: Nine Steps to Transforming Your Relationship with Money

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  • เผยแพร่เมื่อ 10 ก.พ. 2025
  • Most thinking about money assumes your financial life is separate from the rest of your life, but it is time to put those things back together. We need to account for earning, spending, debt and savings, but also count the time these functions take in your life. A positive relationship with money is reflected in the sense of satisfaction and fulfillment you get from your work, and how it connects you with family, community and planet. Regardless of whether you are in debt or whether you have substantial savings, you can embark on a work/life path where you make a life, and not merely a living.

ความคิดเห็น • 102

  • @alexadnan1032
    @alexadnan1032 5 ปีที่แล้ว +137

    "I buy my freedom with my frugality every day, the less I spend the further my money goes, the more adventures I can have." GOLD

    • @breakfasttime8301
      @breakfasttime8301 2 ปีที่แล้ว

      The ability to buy food whenever I want is the best part for me in my frugal life

  • @karenwallace5855
    @karenwallace5855 5 ปีที่แล้ว +120

    This book had a huge impact on my life. It shifted how I viewed trading my time for money and how I began to demand more value for value went I spent money. It inspired me to start saving and investing. My favorite, most memorable part of the book is "the crossover point". It opened my eyes to what was possible. I bought the book in the mid 90s and now less than 25 years later, I am financially independent at the age of 55.

    • @AndyTaylor9991
      @AndyTaylor9991 4 ปีที่แล้ว +4

      You just sold a book ;)

    • @lovher
      @lovher 3 ปีที่แล้ว +3

      Can u pls tell us how u applied her book ideas in practical?

    • @caffeineonmusic2276
      @caffeineonmusic2276 3 ปีที่แล้ว +1

      25 years later you're financially independent karen

    • @laughingheart3835
      @laughingheart3835 ปีที่แล้ว +5

      Financial independence at 55, without social security is a huge achievement. Many people are working until the day they die.

  • @SimplyBeautiful516
    @SimplyBeautiful516 3 ปีที่แล้ว +14

    I read this book more than 15 years ago and it dramatically changed my mind and then my life. I am where I am today greatly due to these concepts.

  • @paulheffron4836
    @paulheffron4836 5 ปีที่แล้ว +58

    This is something that should be taught in public schools.

    • @sofondadavis5028
      @sofondadavis5028 4 ปีที่แล้ว +4

      Should, but will NOT. Why?
      15:10 It doesn't help with encouraging consumerism or capitalism. Our training is for materialism 18:10.

    • @Mockduck2020
      @Mockduck2020 3 ปีที่แล้ว +2

      But then who would the corporations exploit?

  • @worthit2379
    @worthit2379 4 ปีที่แล้ว +51

    Since the day my son was born...I think of the price of purchases in terms of how many hours I have to be away from him/work in order to pay for it. Puts everything in perspective.

  • @ken_yap
    @ken_yap 4 ปีที่แล้ว +19

    Money is freedom and power.

  • @MadelineFarrell-rt5zg
    @MadelineFarrell-rt5zg ปีที่แล้ว +4

    Thank you, everything you say is 💯true. All my life I looked for VALUE, and the less I buy, the MORE I have.

  • @mikejarrells431
    @mikejarrells431 5 ปีที่แล้ว +21

    Thank you for sharing your philosophy and techniques with the world! I've been financially independent for years now. Living the dream & trying to set a good example for others. ;-)

  • @thecommentmonster
    @thecommentmonster 5 ปีที่แล้ว +16

    omg that guy who told her "India is a country" and she's like "yeah. i know. i'm a pretty smart lady. have you been listening?"

    • @shadestrider1033
      @shadestrider1033 4 ปีที่แล้ว

      She sounds like an Elder Scrolls Oblivion NPC, which is what most of us clicked on the video for.

    • @MILOESKOBAR20
      @MILOESKOBAR20 4 ปีที่แล้ว +11

      Erm no, she called Bhutan a state in India, which it is not! The guy was interjecting to tell her that it's a separate country not a state in India

  • @MultiOutdoorman
    @MultiOutdoorman 7 ปีที่แล้ว +13

    So in a nutshell,,, it means we should want what we have,,,not have what we want !

  • @shellyortiz1977
    @shellyortiz1977 8 ปีที่แล้ว +10

    which i would have come across this many years ago but is never late then never...

  • @PokeDude011
    @PokeDude011 6 ปีที่แล้ว +20

    How to be an Oblivion Highway Man.

  • @MartianManHunter2258
    @MartianManHunter2258 5 ปีที่แล้ว +31

    [Pay 100 gold]

    • @anandprahlad699
      @anandprahlad699 4 ปีที่แล้ว

      ;s91z6;|:🌊🌊☂️💨🌭🌭🥐🧀🥞🍉.|~🍚🥟🏉🍊🍋🍊🥙:.Xxxxzxo🎱🏀⚽️🍮

    • @shadestrider1033
      @shadestrider1033 4 ปีที่แล้ว +4

      You are smarter than you look.

    • @ethanpower381
      @ethanpower381 3 ปีที่แล้ว

      [Steal 100 gold]

  • @alisdar1234
    @alisdar1234 8 หลายเดือนก่อน

    An excellent lecture and lecturer!

  • @GTMediaLLC
    @GTMediaLLC 5 ปีที่แล้ว +2

    19:45 listening to her talk about buying got me excited rite there, lol, i needed to hear this 😫🤣🤣

  • @alexadnan1032
    @alexadnan1032 5 ปีที่แล้ว +10

    10:55 I like how she trolled Microsoft smartly lool

  • @davidexperiment916
    @davidexperiment916 7 ปีที่แล้ว +8

    great, this is more about simplicity and values about consume, than the money! love this

  • @mightyoak11111
    @mightyoak11111 6 ปีที่แล้ว +5

    Useful video. Underrated.

  • @nessst.pierre2396
    @nessst.pierre2396 5 ปีที่แล้ว +13

    ". . .take it. It's useless to me anyway."

  • @lydetpidor
    @lydetpidor 6 ปีที่แล้ว +8

    This is interesting. Thank to upload this video that is available for public!

  • @jeffminnesota7376
    @jeffminnesota7376 8 ปีที่แล้ว +6

    Good book your money or your life....must read. Yeah the flow charts work to see your passive income growing on monthly chart....plus you find your lifestyle number for living.

  • @isequalto_klasses
    @isequalto_klasses ปีที่แล้ว

    Thanks...really good stuff 👍🏾

  • @alexadnan1032
    @alexadnan1032 5 ปีที่แล้ว +2

    Consumer Spending accounts for roughly 70 percent of U.S. economic growth -- that amount has increased considerably, from 59.5 percent of the economy in 1969 to 68.1 percent of GDP in the third quarter of 2019, according to the Federal Reserve Bank of St. Louis.

  • @doug2731
    @doug2731 3 ปีที่แล้ว +5

    Hey lady, don't undervalue protecting my family jewels!

  • @jazzrose1424
    @jazzrose1424 4 ปีที่แล้ว +2

    fantastic book

  • @brunodunshee8937
    @brunodunshee8937 9 หลายเดือนก่อน

    - The economy will survive , even if every one goes off grid , building their own shelters, growing their food and foraging! I think the engagiment with the Market should begin from that point of view! When we evaluate someting for the DIY point of view, the worth of it became more acurate!

  • @chickee2551
    @chickee2551 7 ปีที่แล้ว +5

    42:34 Boom!

    • @amandascharf3870
      @amandascharf3870 4 ปีที่แล้ว

      YESSSS!! And so timely, again, right now!

  • @praveendm
    @praveendm 5 ปีที่แล้ว +7

    Good that there is a sign language person but it would be great if the video of that person also would be exposed for public audience who depend of sign language .

    • @tiddlywinks456
      @tiddlywinks456 2 ปีที่แล้ว

      At least the closed captions work which may be useful.

  • @MadelineFarrell-rt5zg
    @MadelineFarrell-rt5zg ปีที่แล้ว

    The new Green Economy provides solutions, and a solution driven economy gives us sooooo much more value for what we buy.

  • @astarisborn9820
    @astarisborn9820 7 ปีที่แล้ว +16

    The book is so much better!!! She is not as articulate as she came across in the book.

  • @josearrieta4522
    @josearrieta4522 8 ปีที่แล้ว +7

    Never too late

  • @ShakespeerTube
    @ShakespeerTube 2 ปีที่แล้ว

    18:19 y 19:38 our lovely Kati says a dog is a thing. Stuff... What a cutie.bunch of values 😧

  • @sandbar3000
    @sandbar3000 9 หลายเดือนก่อน

    This is great for ppl that live together and BOTH make $7k a month in 2024
    But in 2024? A home is $600k in california. I have an mba & all im being offered a job 21 an hour.
    I need $25 hour or 1k a week

  • @thenvsacademy7927
    @thenvsacademy7927 7 ปีที่แล้ว +4

    God protect her l became uneasy while she kept gasping in the course of her speech.

  • @mamonsin
    @mamonsin 6 ปีที่แล้ว +6

    Your money or your life. -No, take it from me if you can!!-Easily done!

  • @alberpajares4792
    @alberpajares4792 3 ปีที่แล้ว +1

    Convert your money in to your life: living for money..,

  • @vexb637
    @vexb637 5 ปีที่แล้ว +8

    She looks like Mrs Doubtfire.

  • @reeso7539
    @reeso7539 6 ปีที่แล้ว +17

    I thought it was an Oblivion video...i got clickbaited

  • @nr1785
    @nr1785 6 ปีที่แล้ว +12

    What’s with the guy interrupting her in the middle of her talk, just to try and correct her and arrogantly prove he’s supposedly smarter than her. Wow. Misogynistic man threatened by a wise woman. Pathetic!

    • @mightyoak11111
      @mightyoak11111 6 ปีที่แล้ว +4

      Speaker was correct that countries and states can be used interchangeably. Clear example is Israel. Its often called the state of Israel. Israel is also a country. Many other examples. He was splitting hairs.

    • @philmole1209
      @philmole1209 6 ปีที่แล้ว +1

      The person interrupting was clearly an ignorant candy-ass who thinks "state" only has a definition within the United States and has to be a different kind of thing than a nation.

  • @sandbar3000
    @sandbar3000 9 หลายเดือนก่อน

    $20 an hour in southern california in 2024?
    Please lady. We need $40 an hour! I gotta mba And they never gave me a chance. All these companies never gave me a chance and wanted me to start working for free and In a in a unpaid internship, when I got my degree in 2011. I was 36 or 35 years old when I got my master's degree and I couldn't just quit basic customer service job. That was pai $1k a month...
    there was no way there was no way. I can quit my job and go work for some company.... 65 miles away in los. Angeles...for free as an unpaid internship.
    I
    paid cash for my suv when I got an inheritance in 2018.no car note. 2018. Now 2024.

  • @veganvocalist4782
    @veganvocalist4782 9 หลายเดือนก่อน

    💛💛💛

  • @tommyjones4783
    @tommyjones4783 7 ปีที่แล้ว +7

    I read the book in 1993.mo

    • @Tictokshorts
      @Tictokshorts 4 ปีที่แล้ว +1

      Read the richest man in babylon.

  • @RaffaellaIT
    @RaffaellaIT 7 ปีที่แล้ว +6

    If adult people think that a SUV can malke them happy, there is a lot of work to do, since such people seem to be spoiled kids instead.

    • @gracegirl1000
      @gracegirl1000 5 ปีที่แล้ว +2

      raffaella paci it’s just an example she’s using... someone might think they need the suv for their family

  • @ubabank6363
    @ubabank6363 8 ปีที่แล้ว +1

    nothing is late only cant feel even to exchang right the moment

  • @ClassicCanoes
    @ClassicCanoes 9 หลายเดือนก่อน

    When you look at every dollar as an employee you are there

  • @newattnow
    @newattnow 6 ปีที่แล้ว

    Great video!!

  • @jaggedlittlepill100
    @jaggedlittlepill100 6 ปีที่แล้ว +12

    Well, she just said "I'm not talking about poverty, I'm talking about most normal people." Does she have any idea how many of us that leaves out? Because, you know, if you're living in poverty it must be because you're lazy and/or stupid. Great. No help or answers for some of us on how to get out of the trap we're in. We don't HAVE discretionary spending money. So I guess your 9 steps are just like every other "program" that's supposed to help. It helps people who already have money - big surprise.

    • @madgame1000
      @madgame1000 6 ปีที่แล้ว +15

      jaggedlittlepill100 Wow, the way you speak so negatively. No wonder you're broke! Keep working on yourself and learning as much as you can daily to dig yourself out of whatever hole you're in. Hoping for the best for you!

    • @droptozro
      @droptozro 6 ปีที่แล้ว +5

      Do you budget and track your money? Start there if you don't. If you need further help learn how---the internet is full of free resources to learn almost anything.

    • @effervescentrelief
      @effervescentrelief 6 ปีที่แล้ว +10

      Doing well enough to watch this video and post. Cell phone? Unlimited data? Just saying. Try saving 5 a week. Start there.

    • @fraupauer916
      @fraupauer916 6 ปีที่แล้ว

      Give it a try.... for most people living on a low budget Vicky' s words can be a blessing because they value their way of living.

  • @darkangelcloud7
    @darkangelcloud7 6 ปีที่แล้ว +4

    Skyrim brought me here

  • @curiousgeorge555
    @curiousgeorge555 7 ปีที่แล้ว +2

    Prius gets better millage than the insight. Just sayin'. Like your vid!

    • @maximilionkristall1531
      @maximilionkristall1531 6 ปีที่แล้ว +1

      curiousgeorge555 Prius gets better mileage than the new Honda Insight. The older Honda Insight gets way better mileage than any Prius since the beginning. She is correct that the Honda Insight is the highest mpg car ever produced. I agree with you, her video and book are awesome.

  • @sandbar3000
    @sandbar3000 9 หลายเดือนก่อน

    How can you go to work if you're not paid? Who's paying you the gas money to get to work?
    So I don't know how people expect to drive to work If They'Re Not Getting Some. Type of gas money to get there and if you're working from home, somebody better be paying your electric bill to be able to go on the internet and somebody better be paying your internet bill as well.

  • @HiMySue
    @HiMySue 5 ปีที่แล้ว +1

    I care about my life and my Friend and my Cat and dog If i care about my money i be like *ew your poor* soo i care about my life

  • @sandbar3000
    @sandbar3000 9 หลายเดือนก่อน +1

    Money is RENT

  • @slavash532
    @slavash532 3 ปีที่แล้ว

    Привет Дружище! Рад тебя видеть! Рад навестить твой потрясающий канал! Ты как всегда на высоте!! епп

  • @CrashManUltra
    @CrashManUltra 4 ปีที่แล้ว +2

    Wait this isn’t oblivion

    • @fade2962
      @fade2962 4 ปีที่แล้ว +2

      Never has been

  • @bharatp1998
    @bharatp1998 7 ปีที่แล้ว +1

    She's just reflecting back what everyone said

  • @ethanpower381
    @ethanpower381 3 ปีที่แล้ว +1

    You're smarter than you look

    • @outlasted4148
      @outlasted4148 3 ปีที่แล้ว +2

      Take it, It's worthless to me anyway

  • @readingbug
    @readingbug 7 ปีที่แล้ว +4

    The lady in the beginning Kim sounds like Gidget from Secret Life of Pets!

  • @sencdaarvaarjemee205
    @sencdaarvaarjemee205 3 ปีที่แล้ว

    maybe start asking what is life. money is a storage of monetary energy.
    in gold we trust, in fiat currencies we lost, in bitcoin we'll blast !!
    Also, you can make more per hour. passive income even. she seems to be bound to x/hour.

  • @FirstNameLastName-wv2iz
    @FirstNameLastName-wv2iz 6 ปีที่แล้ว +6

    *I WILL DRINK FROM YOUR SKULL*

  • @patriciadavidson3936
    @patriciadavidson3936 7 ปีที่แล้ว +2

    I have to educate you guys in this room ? Does she kind sound snobby ? What you did not read my book ? You guys love G and A ?

  • @ulfahl
    @ulfahl 6 ปีที่แล้ว +5

    Another money guru. lol
    Take a bookkeeping course and stop watching commercials.
    Dieting - stop eating so much and move your butt.
    Life philosophy: KISS - Keep it Simple Stupid

  • @sergeantmajor_gross
    @sergeantmajor_gross 6 ปีที่แล้ว

    That's a nice head you have on your shoulders.

  • @CatsAndGoodCoffee
    @CatsAndGoodCoffee 4 ปีที่แล้ว +1

    Ok Karen.

  • @prettypurple7175
    @prettypurple7175 2 ปีที่แล้ว

    SO SAD////

  • @claireh.7605
    @claireh.7605 28 วันที่ผ่านมา

    What a useless lecture. Learn Home Economics instead.

  • @mgtazco
    @mgtazco 5 ปีที่แล้ว +1

    Everything went to the trash went started talking about environmental crisis. Omg. What a dumb point to talk about when talking about money 0 correlation. Thumbs down.

    • @yestohappiness2721
      @yestohappiness2721 5 ปีที่แล้ว +9

      Apparently the 2-3min she talked about it made you stop watching. It is such a beautiful and heartfelt and fully human talk - there is so much depth in it - a wonderful gift to all of us! I recommend people to stick to it till the end. I am very grateful for the whole of it.

    • @raquelbeesley9885
      @raquelbeesley9885 5 ปีที่แล้ว +16

      I disagree. There is a cost to consumerism, whether it be to you as a person or to the planet. Mindless consumption comes at a significant cost to our life energy and the environment. More is not better.