The phrase "time and money" is a common expression that refers to two valuable resources that are often interchangeable. Time, in this context, means the amount of effort or energy someone puts into something, while money represents the value of currency used to exchange goods or services. The phrase suggests that people may have to choose between investing their time or spending their money to achieve a particular goal. In other words, it implies that one can either spend time doing something themselves (which costs them nothing but their time) or they can pay someone else to do it for them (which will cost them both time and money). Ultimately, the phrase highlights the importance of managing resources wisely in order to achieve desired outcomes.