Eat, having free time and money (5,5)

I believe the answer is:

break bread

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'eat' is the definition.
(I know that break bread is a more specific form of eat)

'free time and money' is the wordplay.
'free time' becomes 'break' (I can't explain this - if you can you should give a lot more credence to this answer).
'and' means one lot of letters go next to another.
'money' becomes 'bread' (bread is slang for money).
'break'+'bread'='BREAK BREAD'

'having' acts as a link.

Can you help me to learn more?

I've seen this clue in The Independent.

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