Welcome! We're Anna & Marc And We Share Ways To
- Frugal Living - So You Can Save More to Invest It
- Be Successful At Investing For Passive Income
- Achieve Semi Retirement And Financial Independence With Kids
And by the way, we share a little bit of family life, so you can see firsthand how we create a happier family life at half the price to invest the difference and build wealth (we can live off of one day).
What Could A Path To Semi Retirement Look Like For You?
Semi Retirement, or Semi-FI (Semi Financial Independence), means focusing on investing for passive income so that one day your investment portfolio earns enough to cover part of your living expenses — if you semi-retire early (in your 40s or 50s). To get there, you save and invest part of your income for around 5–10 years. Then, you continue working — but on your terms — earning a decent income to supplement your passive income and possibly for healthcare benefits.
Early Retirement or FIRE (Financial Independence, Retire Early), means focusing on investing for passive income so you aggressively save and invest at least half of your income for 10+ years. You aim for a 50%+ savings and investment rate. Eventually, your portfolio earns enough to cover all your living expenses if you retire early (in your 30s or 40s). At that point, work becomes fully optional.
With Semi-Retirement or Semi-FI, the goal is to reduce work-related stress as soon as possible. You still aim to become financially independent one day by closing your retirement gap early, but compared to traditional FIRE, you’re already creating a family life you love — one you don’t feel the need to retire from. You begin to enjoy the time freedom that financial independence offers before fully reaching it.
TimeAndMoneyTree is all about sharing balanced ways to achieve Financial Independence and create a semi retired life as a family.
Want to learn more about Semi Retirement as an alternative to the standard path to FIRE (Financial Independence, Retire Early)? Check out the FAQs.
Want to explore what such a path to semi retirement could look like for your family? Discover how we can help you here.
About Us
We are Anna and Marc – dedicated parents to our two (soon three) adorable little girls and personal finance enthusiasts pursuing Semi-Retirement. To us, it’s the easier, healthier and more enjoyable path to FIRE (Financial Independence, Retire Early) in Europe.
What we truly want is to empower YOU to take full control of your money and your time – as soon as possible. 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 – within the next 10 years – while working part-time and taking parental leave.
Join The Network, Now!
We offer a couple of FREE financial independence calculators to everyone being part of the community, so you can see how semi-retirement would look like for you. 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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