Money: Know More, Make More, Give More
A practical guide to building wealth through attitude and a few rules: work out what your hour is worth, use other people's time and money, let compounding run and raise your prices.

Table of Content
1. Introduction
1 min 01 sec
If money is a constant source of worry, Rob Moore’s answer is surprising: the fix is rarely longer hours, and often fewer of them. In Money: Know More, Make More, Give More, the British investor and entrepreneur, who built a multi-million pound business in his twenties, argues that working hard is one of the least reliable roads to wealth. What matters more is the attitude you bring to money and a handful of rules about how it grows.
Moore’s throughline is simple. Believe that money is abundant, work out precisely the value of each hour you spend, put other people’s time and money to work for you, allow compounding the years it requires, and set your prices at what you deserve. The tools are concrete: a five-part planning formula, a quick calculation of your hourly value, a property deal that turns a quarter of a million pounds into one and a half million, and a 10 percent price rise that most customers will generally accept.
2. Drop the money myths that keep you stuck
2 min 15 sec
A shop owner in a recession insisted that nobody had any money left. Moore looked at the global figures and reached the opposite conclusion, along with a defense of money and happiness that many people find uncomfortable.
3. A five-step plan that links dreams to daily tasks
2 min 12 sec
Dreamers miss the details and busy people miss the point. A golf club that accounts for a startling share of every round shows where your working hours should really go.
4. Put a price on your hour, then protect it
2 min 01 sec
A comfortable salary can hide a surprisingly poor hourly rate. One simple division, done with honest numbers, tells you which tasks to keep and which ones are making you poorer every single week.
5. Ask who can do the job for you
2 min 15 sec
A business partner laughed at Moore for holding a meeting in the barber’s chair. The arithmetic behind that habit, and behind one borrowed property purchase, shows how wealthy people think about effort.
6. Let patience and compounding grow your wealth over time
2 min 02 sec
A pond plant, a reader saving a few thousand pounds a year and a teenage golfer all reveal why the most rewarding stretch of growth comes last, and what that means for your next big purchase.
7. Raise your prices ten percent and keep customers
1 min 46 sec
Most sellers fear that a higher price will drive buyers away. Moore argues the opposite can happen, and that cheap prices may be scaring off exactly the customers you most want to win.
8. Conclusion
1 min 22 sec
Moore’s book is, in the end, an argument about permission. He asks readers to stop apologizing for wanting money and to stop treating long hours as proof that they deserve it. The shop owner who grumbled that nobody had money was looking at the same economy as the 35 million millionaires. What differed was the story he told himself about it.
Everything else follows from that change of story. An hour has a price, so you guard it. Other people’s time and capital can carry part of the load, so you ask who could do a job before doing it yourself. Money grows like the lily, slowly for years and then fast, so you stay patient and spend with care. And customers judge you partly by what you charge.
Moore’s own first step is the plainest. Open a spreadsheet and list everything you own that has value: cash, possessions, anything you could sell. Set your debts and other liabilities against it. The result is your net worth, and tracking it over the months shows whether your plans are working. Then work out your hourly value and let that number decide what you stop doing.
Moore believes money buys happiness because it buys time. So the first thing worth measuring is what your time is worth.
About this book
What is this book about?
Plenty of people earn a decent salary and still feel they never get ahead. Rob Moore, a British investor and entrepreneur, argues that the problem is rarely a lack of effort. Long hours and hustle, in his view, are an unreliable route to wealth, and two common beliefs keep people stuck: that money cannot make you happy, and that there simply isn't enough of it to go around. Moore replaces those beliefs with an abundant view of money and a set of practical rules. His VVKIK formula links a life vision to the daily tasks that actually bring in income. A simple calculation reveals what each of your hours is worth, and so which jobs to keep and which to hand off. He shows how other people's time and money can multiply results, with a debt-funded property example, and how compounding rewards patience, using a water lily and a reader's savings plan. The book closes on pricing, with the case for raising prices by 10 percent, and on tracking your net worth. Readers get a clear set of numbers to calculate and decisions to make this week.
Book Information
Who it's for
Long-hours salaried employees
Salaried professionals who work long hours and suspect their real hourly pay is low.
Self-employed dreading raising prices
Freelancers and small business owners who are afraid to raise their prices.
New investors learning compounding
Early investors who want compounding and debt-funded property explained in plain numbers.
About the Author
Rob Moore
Rob Moore is a British investor, entrepreneur and bestselling author. In his twenties he built a music promotions business worth millions of pounds, then moved into property, investing and education. He has hosted the podcasts The Disruptive Entrepreneur and Money, and has held two world records for the longest individual speech marathon. Through the Rob Moore Foundation he supports, invests in and mentors under-privileged people, start-ups and small businesses, and the foundation receives all his profits from this book.
Ratings & Reviews
Ratings at a glance
What people think
Listeners note that while perspectives on the book’s informal style and length are mixed, many value the core mindset shift it encourages regarding wealth and success. Furthermore, listeners appreciate the accessible presentation of financial fundamentals, viewing it as a supportive entry point for beginners who might be put off by dense economic terminology. They also point to the effective productivity models, with one listener highlighting the "VVKIK formula" as an easy-to-follow system for connecting a broad vision with daily profit-focused work. Additionally, they discuss the author's relatable life experiences, with one listener crediting the book for teaching them to treat money as a constructive energy for self-improvement.
Top reviews
Rob Moore's personal journey from being a struggling artist to a successful property mogul is actually pretty inspiring if you ignore the occasional humble-bragging. I loved the conversational tone because it made the daunting world of finance feel accessible and even fun. Most books on this topic are so dry they’re impossible to finish, but I flew through this one. The concept of money as energy really clicked for me, and I’ve already started tracking my net worth daily as he suggested. It’s about more than just numbers; it’s about valuing your life and your contribution to the world. To be fair, if you already have an MBA, you might find this too simple, but for the rest of us, it’s a great wake-up call. This book helped me realize that being 'good with money' is a skill anyone can learn if they just change their perspective.
Show moreTruth is, I was terrified of finance books before picking this up because I expected endless spreadsheets and confusing jargon. This book is the exact opposite of that. It’s like having a coffee with a mentor who actually wants you to succeed. I particularly enjoyed the sections on the power of compounding and why setting the right price for your services is a moral obligation. Some people complain about the lack of graphs, but I found the absence of technical clutter refreshing. It allowed me to focus on the big picture of my financial life. The advice on leveraging other people's time was a lightbulb moment for my startup. If you're tired of feeling broke and want a practical, high-energy guide to making more and giving more, this is the one. It’s easily one of the most motivating books I’ve read this year.
Show moreThe way Rob describes money as a form of energy really changed my perspective on my business operations. I’ve read dozens of business books, but the VVKIK formula is the first productivity system that actually stuck. It forced me to look at my to-do list and realize that 80% of what I was doing wasn't actually generating income. Yes, the author likes to talk about his cars, but his passion is infectious and his story is relatable for anyone who has ever felt like a 'useless bum.' The book is definitely long, but every chapter reinforced a mindset that I desperately needed to adopt. I’m now much more protective of my time and I’ve seen a noticeable jump in my profit margins since implementing his pricing strategies. It’s an essential read for entrepreneurs who are ready to level up their game.
Show moreLook, I know the conversational style isn't for everyone, but I found it incredibly refreshing compared to the dry textbooks usually found in this genre. Rob Moore doesn't just talk about cash; he talks about the philosophy of value and how to position yourself in the market. The advice on recording and tracking your net worth is something I should have started years ago. It’s a simple step, but it gives you such clarity on where you are and where you’re going. I also appreciated the 'Give More' aspect of the title, which is often ignored in wealth-building books. It’s not just about hoarding coins; it’s about creating an impact. This book gave me the confidence to finally launch my side project and stop apologizing for wanting to be successful. If you’re a beginner, ignore the cynics and give this a read.
Show moreFinally got around to finishing this, and the VVKIK system alone made the purchase price worth it for me. It stands for Vision, Values, Key result areas, Income-generating tasks, and Key performance indicators, and it’s a brilliant framework for staying focused. Before reading this, I was wasting so much time on low-value admin that wasn't actually moving the needle on my income. The author is very upfront about his own failures, which makes the advice feel more grounded and less like a lecture from a billionaire. My only real gripe is that the book is quite repetitive and the formatting with the grey text boxes is distracting. That said, the shift in how I view my time as a commodity has already started to pay off in my small business. It’s a solid choice for anyone who feels stuck in the 'hustle' without seeing any real financial results.
Show moreEver wonder why you feel guilty about wanting to be wealthy? Rob Moore spends a significant portion of this book dismantling the idea that money is the root of all evil. Instead, he frames it as a neutral force or energy that amplifies who you already are. While the middle sections drag with repetitive anecdotes about tech giants, the opening chapters on mindset were transformative for me. I used to view financial success with a bit of resentment, much like the author did before his 'Ferrari moment.' It's not a technical manual filled with complex charts, but it serves as a necessary psychological reset for anyone stuck in a cycle of scarcity. Some of the quips are a bit dated and the length is definitely excessive, but the core message regarding money mastery is quite powerful.
Show moreAs someone who has read a lot of financial self-help, this felt like a massive case of déjà vu. The book is definitely aimed at entrepreneurs rather than casual savers, so if you're looking for tips on ISAs or pension funds, you'll be disappointed. I did appreciate the 'VVKIK' formula as a way to align daily tasks with a broader vision, but the delivery is just so long-winded. There are no graphs, no tables, and very little hard data to back up the more ambitious claims. The author’s casual writing style makes it easy to read, but it also means the content feels a bit thin at times. While I enjoyed the sections on overcoming negative beliefs about wealth, I could have done without the constant reminders of the author's luxury car collection. It’s an okay starting point for mindset, but you’ll need other books for the actual math.
Show moreNot gonna lie, the middle section about mega-corporations felt like total filler and nearly made me put the book down for good. However, if you can filter through the fluff, there are some decent takeaways regarding your personal relationship with money. Rob Moore treats money as a tool for personal growth, which is a refreshing take if you’re used to dry, boring textbooks. I liked the focus on net worth tracking, even if the instructions were a bit basic for my taste. The book really struggles with its identity; it can't decide if it wants to be a biography, a business manual, or a spiritual guide. It’s a decent enough read for a beginner who needs a kick up the backside to start valuing their time more, but don't expect a masterclass in economics. Pick it up on sale if you can.
Show moreWhy is this book nearly 400 pages long when the actual message could have been condensed into a 40-page pamphlet? To be fair, the initial chapters on changing your money mindset have some merit for absolute novices, but the rest is pure filler. I found myself pushing through the middle sections, which are just repetitive stories about tech giants like Amazon and Facebook that we’ve all heard a thousand times before. Moore talks a lot about his personal transition from being 'broke' to being wealthy, yet he provides almost zero technical detail on the property strategies that supposedly got him there. The tone is frequently arrogant and occasionally veers into territory that feels quite sexist. By the time I reached the 'solution' at the end, which basically boils down to raising your prices, I felt cheated. It’s a mediocre self-help book that prioritizes branding over actual, actionable financial education.
Show moreAvoid this book at all costs if you actually value your time or your bank balance. Rob Moore has essentially written a 380-page advertisement for his own success that offers shockingly little substance for the average reader. The text is bloated with groan-inducing anecdotes about his Ferrari, and the forced casual tone feels like a desperate attempt to be your 'mate at the pub.' Frankly, it is an embarrassment. Where are the data points? Where is the evidence for his claims on compounding? Instead of actual financial strategies, you get rambling pseudo-intellectual passages about how money is just energy. The structure is appalling, with formatting that breaks any sense of flow, making the reading experience a chore. It feels like a thinly-disguised cash grab designed to profit off beginners. If you want real investment advice, look elsewhere, because the 'advice' here isn't worth the paper it’s printed on.
Show moreQuestions about this book
What is the main idea of Money by Rob Moore?
Moore argues that wealth comes from attitude and a few clear rules more than from long hours. He asks readers to drop two myths: that money cannot buy happiness and that there is not enough of it to go around. Then he shows how to value your time by the hour, use other people’s time and money, give compounding years to work and charge higher prices.
How do you calculate your income-generating value?
Add up every hour you spend earning money in a week, including your job, side projects and asset building. Then total all weekly income, from salary to rent, interest, dividends and side earnings. Divide income by hours. In Moore’s example, £1,000 over 55 hours gives just over £18 an hour. Tasks worth more are worth doing; tasks worth less should be dropped or outsourced.
What does the water lily in Money teach about compounding?
Moore’s water lily doubles every day and covers its pond on day 30, yet on day 29 it covers only half. Money that compounds behaves the same way. A reader saving £3,600 a year at two percent above inflation would have just over £43,000 after ten years and £438,000 after 50. The lessons are to stay patient and to weigh what any big purchase might have grown into.
Does Rob Moore say you should raise your prices?
Yes. Moore suggests a 10 percent increase, arguing that most people accept a change of that size calmly, much as they would a 10 percent swing in their investments. He recommends low-cost extras, like chocolates on hotel pillows, to raise perceived value, and warns that cheap prices put off wealthy customers, who read them as a sign of low quality.
Who should read Money by Rob Moore?
It suits salaried workers who feel underpaid for their hours, freelancers and business owners nervous about pricing, and new investors who want a simple frame. The tools are concrete: the VVKIK planning formula, the hourly value calculation, a debt-funded property example, the compounding math behind a reader’s savings and a spreadsheet for tracking net worth.
Readers also enjoyed
AUDIO SUMMARY AVAILABLE
Listen to Money in 15 minutes
Get the key ideas from Money by Rob Moore, plus 5,000+ more nonfiction titles.
- 5,000+ titles
- Listen as much as you want
- 7-day free trial
- Cancel anytime




















