How to Work Less, Live More and Own Your Time

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Work less. Live more. And Own Your Time

That’s the mantra from Andy Hill — the award-winning family finance coach behind Marriage, Kids, and Money and author of the new book Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind.

Andy’s not just preaching theory. He and his wife walked the talk — paying off debt, hitting Coast FIRE, and buying back their time so they could be fully present parents, partners, and people again.

He joined me on The Extreme Personal Finance Show to talk about how you can do the same.

From Corporate Prison to Time Freedom

Andy was that guy. Ya know, working 60-hour weeks, missing birthdays, and convincing himself that “this is just life.”

Then one day, he found himself FaceTiming his daughter from a trade show floor on her 7th birthday. Fluorescent lights overhead, tie choking his neck, trying to sound cheerful while missing the moment that actually mattered.

That was the turning point.

Andy and his wife made a plan to ditch the debt, build savings, and create what he calls their “FU Money Fund.” A year’s worth of expenses and the courage to say “enough.”

He left his corporate career in early 2020 (right before the pandemic hit — talk about guts), betting on himself and his mission to help other families do the same.

What It Means to Own Your Time

Andy’s book isn’t about early retirement. It’s more about early alignment. It’s for anyone who feels stuck, trapped, or burned out by the grind. He lays out practical steps to regain control of your time, money, and priorities.

His advice hits hard:

Owning your time starts with clarity and knowing what you want to remove from your life, not just what you want to buy.

If someone handed you a $5 million check today, Andy asks:

That question alone might change your life.

Diversify Your Identity

Andy dropped another gem during our chat: “Don’t just diversify your investments, diversify your identity as well.”

Too many of us tie our worth to our work. When that job ends, we end up lost, restless, or even depressed. Instead, he challenges us to cultivate other parts of who we are:

• Musician

• Parent

• Friend

• Volunteer

• Partner

Because when work stops being everything, life gets a whole lot richer.

Raising the Next Generation of Givers

Andy’s kids are already part of his financial legacy. This isn’t because of inheritance.

He teaches them about saving, spending, giving, and investing from an early age.
His family’s “60/40 Generational Wealth Plan” splits every dollar they earn:

• 60% spending

• 20% investing

• 10% saving

• 10% giving

The goal? Build habits that outlast their parents. As Andy put it:

Redefining Success

So what does success look like once you’ve reached financial independence?

For Andy, it’s not a bigger bank account, it’s a better calendar.

He now works 20–25 hours a week, prioritizes fitness, spends real time with his family, and volunteers in his community.
He earns half of what he made in corporate, but he’s twice as alive.

Listen to the Full Episode

“Own Your Time with Andy Hill. Work Less, Live More, and Build a Family-First Life”
Watch & listen on YouTube, Spotify, or Apple Podcasts

Order Own Your Time now
Learn more at MarriageKidsAndMoney.com

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Thanks again for following along! Keep those Horns Up, my friend 🤘 🤘 And please share this newsletter with those you think would find value!