Just launched: Our Simple Budget Calculator - Create Your Budget With Ease 💸
Financial Independence for Growing Families (Like Us) — Without Extreme Frugality or Quitting Work
The More Realistic, Family-Friendly Path to Financial Independence
- Spend less with intention
- Invest more with a long-term plan
- Work part-time years — or even decades — before financial independence
We help growing families work less and live more — without waiting until full financial independence.
We know the feeling: working full-time, raising a growing family, managing rising costs, and trying to save as much as possible for early retirement — until we realized there’s a better way.
Instead of waiting to retire early and stop working entirely (which we never really aspired to), we’re focused on reaching Semi-Retirement (also known as Semi FIRE or Semi FI) first — where your investments start covering part of your expenses, so you can reduce your working hours, pursue passion projects, and spend more time with your kids while they’re still young.
On this site, we share practical strategies and powerful calculators to help you plan your own path to Semi-Retirement — so you can work part-time years, or even decades, before traditional retirement.
Choose Your Path to Semi-Retirement
Semi-Retirement (or Semi FIRE / Semi FI) means you don’t have to wait until full financial independence to start living differently.
Instead, your investments start generating passive income that covers part of your expenses — so you can work part-time and enjoy more freedom much earlier.
It’s the path we’re taking as a family. And you can start planning your own path today using our free Semi-Retirement calculators.
Step 1: Choose Your Semi-Retirement Path
Step 2: Plan Your Withdrawal Strategy
Most families combine a Semi-Retirement strategy with a smart withdrawal strategy — that’s why we built calculators for both.
New to Semi-Retirement?
Start with our FAQs, or explore the blog articles on semi-retirement.
Hi, we're Anna and Marc!
We’ve been in your shoes — overwhelmed by how to achieve FIRE as a growing family without extreme frugality or many more years of full-time work. After getting our third little girl, we made a shift and chose Semi-Retirement instead of traditional FIRE, and are now on track to semi-retire in just a few years.
This blog shares everything we learn along the way — including Marc’s free retirement planning tools and budget calculators — to help families like ours take back control of their time and money, so they can work less and enjoy more time together while their kids are still young.
Start Your Path to Semi-FIRE — Join Families Like Ours
Get free access to our retirement planning tools — including financial independence calculators, budget tools, and our growing FREE Resource Library.
Join our community and get early access to new tools and practical strategies to plan your path to Semi FIRE — so you can make early Semi-Retirement a reality for your family.
We respect your inbox and only send a few emails every few weeks, when something truly useful is ready for you.
Explore The Blog
Register for our Newsletter
