by saving more money to invest it
so you can earn passive income
and semi retire early with kids
Welcome! We're Anna & Marc And We Share Ways To
- Save More Through Simple Frugal Living
- Invest Money Wisely So You Can Live Off Of Passive Income Using Stock Index Funds
- Achieve Financial Independence And Semi Retire Early With Kids
And by the way, we share a little bit of family life and some (free) Financial Independence Calculators such as:
No matter if you’re new to saving and investing or an experienced pro, we’ll guide you on how to optimize your strategies to generate passive income from your investments. Learn how to use that income to cover your bills while ensuring you never run out of money in retirement.
What Could A Path To Financial Independence Look Like For You?
Financial Independence (FI) means having enough in passive income from your investment portfolio and retirement savings to cover your living expenses.
FIRE (Financial Independence, Retire Early) means achieving FI status fast so you can retire early (in your 30s or 40s). Therefore, you aim to achieve a 50% savings rate and investment rate, so you can save and invest half your income for around 10 years (more or less) until FIRE, when work becomes fully optional.
Semi FI (Semi Financial Independence) means achieving FI status at some point in life by closing your retirement gap (early on). Then you stop saving and investing (after 5-10 years). You continue working but on your terms for a decent income. Now, you enjoy the time freedom FI offers before you actually achieve it.
With Semi FI you start creating a family life you love and don’t want to retire from on your journey to FI and still achieve it one day. And you should start today. Want to learn more about Semi FI as an alternative to the standard F.I.R.E. path? Check out the FAQs. Want to explore what such a path to FI might look like for your family? Discover how we can help you here.
TimeAndMoneyTree is all about sharing balanced ways to achieve Financial Independence and create a semi retired life as a family.
About Us
We are Anna and Marc, dedicated mom and dad to our two adorable little girls (soon three) and personal finance enthusiasts pursuing FIRE (Financial Independence, Retire Early) in Europe.
What we deeply want for you here is to empower YOU gaining total control over your money and your life time, as soon as possible. That’s why we share our story on how we plan to use semi-retirement so we can semi retire early with kids around age 45 in a total of 10 years (while working part-time and taking parental leaves).
Join The Network, Now!
We offer a couple of FREE financial independence calculators to everyone being part of the community. And we’re about to add even more helpful resources to the FREE Resource Library!
These have helped our family build a happier family live at half the price by saving and investing the difference so we can retire early with kids one day.
If you’re on the list, you will also get access to limited deals as soon as we release a new product to boost your F.I.R.E. journey to the next level. And you will get the newest release first.
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