???? Vicky Robin: Your Money or Your Life (2018)

Eines der besten Bücher über den Umgang mit Geld, weil es v.a. darum geht zu erkennen, was “genug” ist.

Meine Notizen

Endless desire

  • „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.“ (Vorwort von Mr. Money Moustache, S. xvii)
  • „[…] a conscious, clear, empowered relationship with money is the real key to success, not your „number“ (that dollar amount picked out of thin air and set as a goal).“ (S. xxviii)

Financial intelligence is…

  • Financial intelligence is the ability to step back from your assumptions and your emotions about money and observe them objectively.“ (S. xxxii)


  • „Along with racism and sexism, our society has a hidden hierarchy based on what you do for money. That’s called jobism […]. Why else would we consider stay-at-home moms second-class citizens? Or consider teachers lower-status than doctors even though their desk-side manner with struggling students has equal merit to many doctors‘ bedside manner with the ill and dying?“ (S. 7)

Der Lackmustest für deinen Job

  • „If we could believe that our jobs were actually making the world a better place, we would sacrifice sleep and social lives without feeling deprived.“ (S. 10)

The right to buy

  • „Americans have come to believe, deeply, that it is our right to consume. If we have the money, we can buy whatever we want, whether or not we need it, use it, or even enjoy it. […] Not only have we absorbed the notion that it is right to buy — but we believe that consuming is what keeps America strong. If we don’t consume, we’re told, masses of people will be thrown out of work. Families will lose their homes. Unemployment will rise. Factories will shut down. Whole towns will lose their economic base. We have to buy gadgets to keep America strong. […] saving has clearly become un-American.“ (S. 21)
  • „The only downside is that our rising expectations have outstripped our incomes, leaving the average consumer-patriot increasingly in dept.“ (S. 21)

Advertising technology

  • „Marketing theory says people are driven by fear, by the promise of exclusivity, by guilt and greed, and by the need for approval. Advertising technology […] aims to throw us off balance emotionally — and then promises to resolve our discomfort with a product.“ (S. 22)

Financial beliefs are not reality based

  • „Is it possible that some of our financial beliefs are no more reality based than the flat-Earth theory?“ (S. 25)
  • „For example, while we might vigorously maintain that we know money can’t buy happiness and the best things in life are free, honesty requires that we look deeper. Our behavior tells a different story.“ (S. 25)

Kaufen = die Lösung

  • „When we think there must be more to life, we buy something. A workshop. A self-help book.“ (S. 25)


  • = „We have everything we need; there’s nothing extra to weigh us down, distract us or distress us, nothing we’ve bought on credit, have never used, and are slaving to pay off. Enough is a fearless place. A trusting place. An honest and self-observant place. It’s appreciating and fully enjoying what money brings into your life and yet never purchasing anything that isn’t needed and wanted.“ (S. 28)
  • => Enough ist für jeden anders!
  • vgl. Ramit Sethi: Don’t be so cheap!
  • „We call it „enough“ because there is no particular, specific thing that is enough, which means it’s up to you. […] Everyone’s enough looks different.“ (S. 31)
  • „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.“ (S. 53)


  • „Clutter is anything that is excess – for you. It’s whatever you have that doesn’t serve you, yet takes up space in your world.“ (S. 29)
  • „[…] most clutter enters our lives through the „more is better“ door.“ (S. 29)
  • „Just because something is out of sight doesn’t mean it isn’t clutter.“ (S. 30)
  • „Isn’t meaningless activity a form of clutter? […] And what about tasks on your to-do list that never get done?“ (S. 30)

We take economic indicators personally

  • We are encouraged to take economic indicators personally. If the economist-gods announce our economy is in a recession, we might decide not to go on vacation this year, just to be safe – even if we have plenty of money and a secure job. If the economist-gods tell us the cost of living is up, we automatically feel poorer, even though what’s now included in the consumer price index was a luxury item just a few decades ago […].“ (S. 52)

Financial Independence

  • „Financial Independence has nothing to do with rich. It is the experience of having enough — and then some.“ (S. 56)

Financial Integrity

  • „You learn to make your financial choices independent of what advertising and industry have decided would be good for their business. You are free of the humiliation of being manipulated into spending your life energy on things that don’t bring you happiness.“ (S. 119)

What if everybody did this?

  • Mit dieser Frage kann ich die Nachhaltigkeit in meinem Leben prüfen, z.B. die Nachhaltigkeit meiner Geldflüsse.
  • „What if everybody … ate at restaurants, bought used clothes, planted fruit trees in the yard, bought this vacation package, picked this car for their daily commute …?“ (S. 133)

Maybe you need to spend more!

  • „With a focus on that Goldilocks „just-rightness“ for each category, you may find you’ve been stingy with yourself and need to spend more. Perhaps you once dreamed of being an opera singer. Where are singing lessons – if anywhere – in your categories? Do you need to move to Italy to study with the best? Perhaps you choose to pour more money into training your voice while developing a long-term plan for how that training may pay off in income.“ (S. 147)
  • Yes! Das gilt definitiv für SILBE!

Nur mehr Debit Card!

  • „Dave Ramsey […] is a major advocate of eliminating credit cards from your life altogether.“ (S. 154)
  • Nur mehr Debit Cards zu verwenden, würde auch bei mir gehen. Wobei das nicht diesen großen Unterschied macht wie in den USA.

I don’t owe anything to anyone

  • „Whatever the economic climate, being able to say „I don’t owe anything to anyone“ is a statement of sanity, dignity, and freedom.“ (S. 156)


  • „Waste lies not in the number of possessions but in the failure to enjoy them. Your success at being frugal is measured not by our penny-pinching but by your degree of enjoyment of the material world.“ (S. 166)
  • Das ist PROFUND!
  • „The key is remembering that anything you buy and don’t use, anything you throw away, anything you consume and don’t enjoy is money down the drain, wasting your life energy and wasting the finite resources of the planet.“ (S. 205f)

Stop trying to impress other people

  • „If you stop trying to impress other people you will save thousands, perhaps millions of dollars. If you must, impress people with how much money you saved with your creative DIY project or travel hack, or the natural beauty you experienced while camping instead of going to a resort.“ (S. 170f)

Desire is the source of all shopping

  • „The Buddha said that desire is the source of all suffering. It is also the source of all shopping. By being conscious of your next 1,000,001 desires, you’ll have 1,000,001 opportunities to not spend money on something that won’t bring you fulfillment. Advertising doesn’t make you buy stuff. Other people’s expectations don’t make you buy stuff. Television doesn’t make you buy stuff. Your thoughts make you buy stuff. Watch those suckers. They’re dangerous to your pocketbook — and to a lot more.“ (S. 207)

Part-time job

  • „In the new way of thinking, however, you are working part-time on someone else’s agenda for money so you can work as much time as possible on your own agenda. You give your employers their money’s worth, but you don’t define your self-worth by what you do on your job.“ (S. 239)
  • vgl. Hybride Unternehmen

Commercial-free zone

  • „Do your marketing, advice giving, and lengthy lectures elsewhere and else-when. We don’t come to be fixed. We come to learn about ourselves, one another, and our world.“ (S. 316)

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