This study is about time, wealth and well-being by an interdependent multidimensional (IMD) polarization concept of time and income and its development over 20 years. With a new multidimensional polarization intensity (2DGAP) approach the single components of the multidimensional polarization will be made transparent and available for targeted economic and social policy. The applied focus is on full time working poor and rich self-employed compared to employees and other socio-economic groups. Two step Heckman estimates quantifies explanatory factors of IMD 2DGAP polarization risk and intensity. Data bases are the German Socioeconomic Panel and the German Time Use Studies 1991/92, 2001/02 and actual 2012/13. Prominent result: Multidimensional time and income polarization overall decreased significantly with regard to polarization headcount ratios for self-employed and employees. However, multidimensional polarization
intensity (2DGAP) increased significantly over the 20 years regarded. Interesting differences and different developments were found with regard to gender, age, education, working hours, family structure and regions (new and old “Bundesländer”). Outstanding is the relative strong polarization of the self employed compared to employees and in particular of couples with several children and single parents; polarization is increasing with the number of children. And, there are particular differences of various socio-economic groups concerning the poverty and affluent pole.