A family of four walks hand in hand through a lush green meadow with yellow wildflowers, heading towards a rustic wooden house with a red roof. The father wears a light blue shirt and shorts, the mother wears a white top and dark pants, while the two young daughters wear pastel dresses. The scene is surrounded by trees and a peaceful countryside landscape.
Semi Retirement
Semi Retirement: The Secret How To Semi Retire In 5-10 Years

A couple of years ago something happened in our family’s life. Then, we started considering semi retirement and Semi FI, short for Semi Financial Independence. Today, we couldn’t be happier with rethinking our initial early retirement pla...

12. June 2024

Miniature businessman with upward arrow symbolizes financial independence, semi-retirement, frugal living, investing for passive income.
Investing For Passive Income
7 Safest Index Funds for Financial Independence: Pros & Cons

The safest index funds aren’t always the ones everyone talks about. When our family started searching for the right mix to reach financial independence, we wanted steady growth without taking on too much risk. In this guide, you’ll discover 7 [&h...

7. June 2024

Stacks of coins symbolize investing for passive income, financial independence, frugal living, and semi-retirement planning.
Investing For Passive Income
How to Invest Little Money in the Stock Market — My 7 Steps

How to invest little money in the stock market was the last thing on my mind when I went on parental leave after my second daughter. I thought 100 a month couldn’t matter compared to the 1,000 or even 2,000 […]...

30. May 2024

Young child wearing a sun hat and white shirt holding a colorful map while exploring a forest trail, symbolizing adventure and the concept of
Semi Retirement
Retire Early With Kids: A 5-Step Guide To The Fastest Way

We’ve been on our FIRE journey for over five years now and can say: to retire early with kids is doable. Especially if you choose the easy way to financial independence that’s becoming increasingly popular among the FIRE (Financial Independen...

19. May 2024

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We Upgrade Your Favorite FIRE Tools! 🔥

Illustration of a friendly cartoon builder wearing a yellow hard hat, waving, and holding a wrench.

We’ve are busy behind the scenes!

🚧 What’s in progress:

We’re currently fine-tuning the Barista FIRE Calculator and the FIRE Calculator to include the advanced features, export functionalities and interactive charts we implemented for the Retirement Withdrawal Calculator, Coast FIRE Calculator and Flamingo FIRE Calculator.

💡 What’s to come:

  • Refined data accuracy and projections
  • Export and sharing functionalities
  • Improved user experience on all devices
  • Fresh design that’s easier to navigate
  • More flexibility for personalized scenarios
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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