Spend Less, Invest More, and Semi Retire Early as a Family

Welcome! We're A Family Of 5 Sharing Simple Ways To

  • reach semi retirement first — work less, earn a little on the side, and let your investments help pay the bills — then full financial independence later.
  • live frugally with kids — so you can start saving money as a family right away and invest it for your future.
  • be successful at investing and build passive income.

Join us for real-life tips that actually work and a peek behind the scenes of our everyday family life.

Start Your Own Journey Here

What Could A Path To Semi Retirement Look Like For You?

Semi-retirement (Semi FI, short for Semi Financial Independence) lets you cut back your work hours, enjoy more free time, and still cover your bills with help from your investments and the passive income they generate.

It’s the path we’re taking — and here’s how you can start creating that freedom for yourself too, using our free Semi-Retirement Calculators:

  1. Fire Calculator
  2. Barista FIRE Calculator
  3. Coast FIRE Calculator
  4. Flamingo FIRE Calculator
  5. Retirement Withdrawal Strategy Calculator

TimeAndMoneyTree is all about sharing practical, balanced ways to achieve semi-retirement first and create a semi-retired family life you truly love. Then, later in life, you can reach full financial independence with far less stress — allowing you to enjoy the time freedom of financial independence long before you officially reach it.

Want to learn more about semi-retirement? Check out the FAQs, and explore the blog collections on semi-retirement.

About Us

We are Anna and Marc – dedicated parents to our three adorable little girls and personal finance enthusiasts pursuing early semi-retirement. To us, it’s the easier, healthier and more enjoyable path to FIRE (Financial Independence Retire Early).

We’re here to help you take full control of your time and money as soon as possible — which is what this blog is all about.

That’s why we share our story of how we plan to use semi-retirement to achieve early financial freedom with kids around age 45 to 50 while working part-time and taking parental leaves.

Read our story

Join The Network, Now!

We offer several FREE financial independence calculators to our community, including dedicated budgeting tools — and we’re about to add even more helpful resources to our FREE Resource Library!

Join the list, start your own journey, and get access to exclusive deals as soon as we release new tools to take your financial independence journey to the next level.

We respect your inbox and only send a handful of emails each month when something valuable is released.

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Explore The Blog

Child holding a map and pointing at a trail while standing on a forest path symbolizing a fire calculator guide.
Semi Retirement
FIRE Calculator Guide: Planning Your Path to Financial Independence
Abstract illustration of a stylized green tree formed from flowing, leaf-like shapes against a soft gradient background representing a sustainable fire withdrawal rate.
Semi Retirement
Real FIRE Withdrawal Rate You Can Rely On – Backed by Data
How can I start investing at 40? A hand holding a smartphone displaying an investment portfolio balance of $38,149.69 with an 85.78% annual gain, against a blurred background with warm bokeh lighting.
Investing For Passive Income
How Can I Start Investing at 40: A Simple Beginner’s Guide


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Your FIRE Plan Just Got Smarter 🔥

FIRE calculator showing a portfolio value rising from 1990 to 2018, with a dashed red line marking a FIRE number of 1,200,000 and a vertical dashed green line marking the target FIRE year of 2013.

⭐Our newly released FIRE Calculator

  • Reusable: Save for reuse or share your scenario anytime
  • Forecast, historical & Monte-Carlo projections
  • FI date + Coast-FIRE at a glance
  • Goal-seek for your required monthly contribution
  • Interactive charts & timeline insights
  • Real (inflation-adjusted) results
Launch the calculator
Trifold brochure featuring "Mom's Evening Routine Checklist". Elegant green and white design with structured sections for organization and productivity.

End your day stress-free with this free and customizable Evening Routine Checklist!

Whether you want to establish a new routine or refine your current one, this printable will help you stay organized and unwind with ease. Download it today and set yourself up for a smoother tomorrow!

What you get

  • One page with customizable sections for personalized routines
  • One Page with ideas for your working mom after school routine & night routine for busy moms
  • One Page with (science-backed) inspiration for your evening routine

Get Your Free Working Mom Evening Routine Checklist

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An open trifold printable titled "Mom-Me Time Morning Routine" featuring structured sections for planning self-care, work, home chores, and daily goals. The printable includes a checklist and lined spaces for organizing a productive and balanced morning routine for moms and is part of our online freebies.

Start your mornings with ease using this free and customizable Working Mom Morning Routine Checklist!

Whether you’re looking to create a brand-new routine or tweak your existing one, this printable will help you stay organized and stress-free. Download it today and take control of your mornings!

What you get

  • Two pages with customizable sections for personalized routines in the six most important areas
  • One Page with ideas for your ME TIME and (science-backed) inspiration for your morning routine
  • Simple layout for easy use

Get Your Free Working Mom Morning Routine Checklist

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Laptop displaying investment growth chart for frugal living, financial independence, and semi-retirement planning.

Get your free copy of the Investment Growth Calculator to see what happens if you start investing a certain amount of money every month now. How could that boost your retirement plan? The goal is to visualize that if you start investing (more) money, you can cover your retirement gap later.

What you get

  • 1 Sheet to model your portfolio’s growth after entering:
  • The current value and monthly investments you consider
  • Average rate of return you expect to get for 20 years.
  • See your total portfolio’s value after 20 years…
  • … maybe (a part of) your retirement would be funded.
  • Example: Invest 1.500 p.m. at 10% average return to get…
  • … 1.5 Million (!) if starting with a portfolio worth 81.000.
  • A graph shows the compound interest your portfolio…
  • … generates per year & in total for each new investing year…
  • … compared to the monthly and annual investments you make.

Get Your Free Investment Growth Calculator

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Laptop displaying compound interest chart for frugal living; achieve financial independence and semi retirement with investing.

Get your free copy of the Compound Interest Calculator to learn about the easiest way to double your money in the stock market. Compound interest is a simple dynamic that turns even small investments into big returns over time. The goal is to see how your portfolio grows in the back if you simply let your money sit in the market for decades.

What you get

  • 1 Sheet to model your portfolio’s growth after entering:
  • The current value or one-time investment you consider
  • Average rate of return you expect to get for 20 years.
  • See your total portfolio’s value after 20 years…
  • … maybe (a part of) your retirement would be funded.
  • Example: Invest 100K at 10% average return to get 740K.
  • A graph shows the compound interest your portfolio…
  • … generates per year & in total for each new investing year.

Get Your Free Compound Interest Calculator

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A laptop displays the Simple Bare Bones Calculator, featuring a line-by-line budget, a pie chart, and a bar graph on a green-themed screen. Above the laptop, the text Simple Bare Bones Calculator is written in an elegant font, accompanied by the Time & MoneyTree logo with a tree and clock design. The background is a clean, white surface with subtle leaf accents.

Get your free copy of the Simple Bare Bones Budget Calculator to plan for times when money is tight because of less income, higher expenses or both. The goal is to improve your budget to the point where you can still live a family life you enjoy on a budget you can afford.

What you get

  • 1 Sheet to model the budget you expect to have
  • 5 categories for your (new) income streams
  • 7 Budget categories for your essential expenses to model:
  • Current expense - expense goal = savings
  • Final Result: Total Income - expense goals = total savings
  • Your savings rate calculated as a percentage
  • 2 graphs: a bar chart and a donut showing you:
  • How much a budget category accounts for compared to income

Get Your Free
Simple Bare Bones Budget Calculator

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