Retire Early Lifestyle
Retirement; like your parents, but way cooler

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In 1991 Billy and Akaisha Kaderli retired at the age of 38. Now, into their 3rd decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.


I found your website in a news article on  I am really enjoying your book, The Adventurer's Guide to Early Retirement.  I'm learning that my own snobbery has been keeping me poor and stressed out.  I wish I had figured this out years ago!  I am making the lofty plan of retiring in the next 6 years at 45....The dream begins,

Rodney and Dimphina Ayers





Country Adventures








El Salvador




New Zealand








Our Latest Adventure

The Rock Restaurant - Boquete, Panama
Billy and Akaisha Kaderli

"Everyone" was talking about The Rock Restaurant, so we simply had to go and find out for ourselves. We tend to enjoy our largest meal at lunch time, so we took a little walk from our hotel in Boquete town, up the hill to this locally famous dining establishment.

Kristi Essick

Second Acts What do you do for an encore? Here are portraits of people who are taking new paths—and changing their lives.

12 Tips on How to Make the Most of Feasting Internationally (and stay on a budget)
Billy and Akaisha Kaderli

For those of us who enjoy international cuisine, eating local specialties while traveling is the best of two worlds. Meals don’t always have to be in fine dining establishments where pricing can be astronomical, you can relish terrific flavors from a food cart, on a picnic, or from the local supermarket.

Excerpt from The Adventurer's Guide to Early Retirement
Billy and Akaisha Kaderli

You can retire early to spend free time as you want; travel, study, go sailing, scuba diving, play music, influence your community, pursue a hobby, learn a new trade, reinvent yourself, spend time with family… We did!

Hawaiian Girl
Billy and Akaisha Kaderli

As many know, I am more than willing to offer financial advice in order to help others to become financially independent. The sooner the better – that’s good for everyone, right?

Real Investment Report
Lance Roberts

For the last couple of months, we have discussed the risk of the narrowing of leadership as money piled into an ever reducing number of primarily large-cap technology stocks. “This really is a more bizarre clustering of markets and sectors that I have witnessed in quite some time. However, for now, the rotation between sectors remains tight and it is the #FANMAG stocks that continue to elevate markets because of their sheer size. ($FB, $AAPL, $NFLX, $MSFT, $AMZN, $GOOG) The question that continues to linger over the markets is just how stable is the advance?

20 Questions We Are Frequently Asked
Billy and Akaisha Kaderli

January, 1991: At the age of 38, Billy and Akaisha packed it up, sold everything, left the conventional working world, and moved to Nevis, a 36 sq. mile island in the Caribbean. From there they started traveling and haven't looked back. "Life is an adventure, follow your dreams."

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Bundle Mexico Books Buy all 4 books and Save more than 20% off the individual pricing! Four Books, One Low Price  -The Adventurer's Guide to Chapala Living - The Adventurer's Guide to the Pacific Coast of Mexico - The Adventurer's Guide to Mexico's Highlands - The Adventurer's Guide to Destination Choices

Tikal Ruins, Guatemala One of the major sites of Mayan civilization, inhabited from the 6th century B.C. to the 10th Century A.D., lies in the heart of the jungle surrounded by lush vegetation. This is Tikal, in Guatemala
Billy and Akaisha Kaderli

OMG, I had two guests on this episode, so you get two for the price of one! Or is it double trouble? I’ll let you decide. I brought Billy and Akaisha Kaderli on the show for a couple of reasons. They retired when they were 38 years old. Billy and Akaisha are experts in a lot of areas, including Medical Tourism which is another reason I wanted them on the show. Billy and Aikaisha feel that the medical care they receive outside of the US is better than the care they receive in the US and at a fraction of the price.


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In time, we discovered something odd. Many people who live in expensive homes and drive luxury cars do not actually have much wealth. Then we discovered something even odder: Many people who have a great deal of wealth do not even live in upscale neighborhoods. That small insight changed our lives. - The Millionaire Next Door



Market Watch interviews Billy and Akaisha

Dave Ross from CBS Radio interviews
Billy and Akaisha


Four E-Books Mexico Bundle
The Guides are in PDF format, and are available via download.



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Akaisha Hangin' with a Pirate!

In Campeche, Mexico

The stress of living in the States can take its toll on your health. People say that living in Chapala, Mexico adds ten years to your life and we believe it. The relaxed Mediterranean lifestyle, clean air, great food, friendly people and just plain fun is bound to extend your life.

What are you waiting for?   Keep your retirement dreams alive.
Many North Americans have already made the move. 

More Adventures

The views expressed by the hosts of this website rock the
Retire Early World.



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Flores, Guatemala (Pronounced: FLOOR-es, Gwah-tay-MAH-lah)
Billy and Akaisha Kaderli

After another night of loud music from the bar next door to our hotel in San Ignacio, we rose at about 5 a.m. to get ready for the day’s travel from Belize to Flores, Guatemala. Billy arranged for a van to take us to the border town of Benque for $5BZD each person – a price far more real than the one taxis were charging.

The Rocks in My Basket
Akaisha Kaderli

A few months ago, I was enjoying a cappuccino with a girlfriend at a local cafe and catching up on each other’s lives. “What have you been up to lately, Jo?” I asked eagerly. “Rearranging the rocks in my basket” she said matter-of-factly. I have been to Jo’s home for fun, food, and ...

Early Retirement - Not Good for Your Mind! ----- Really?
Billy and Akaisha Kaderli

Recently we read an article by Kriston Wong titled, Why Early Retirement Isn't as Awesome as it Sounds - The Relationship between Retirement and Cognitive Decline. These types of articles are fascinating to us because of the perspectives they present and the fact that we retired at the age of 38. (Have we been losing our minds for the last 26 years?)

5 Steps for Millennials to Become Financially Independent
Billy and Akaisha Kaderli

Becoming financially independent is a worthy goal no matter at what age one achieves it. If you are a Millennial, where do you start? - Save and invest

Traveling? Find Someone to Look after Your Home and Pets Cost-Free
Rachel Martin

Planning a vacation or a longer trip away can throw up a few dilemmas. Leaving your home empty could be a security issue and if you have pets, who will care for them. Try this win win solution.

Boquete, Panama (Pronounced: Boh-KET-ay, Pahn-ah-MAH)
Billy and Akaisha Kaderli

After staying a few days in Panama City, we made the decision to move on to the mountain town of Boquete, about an hour taxi ride from David. But first, we had to get to Tocumen Airport from our hotel.

Tracking Your Data
Billy and Akaisha Kaderli

No matter what stage of life you are in, it is important to know your financial health. This is not something you do just around income tax time but throughout the year. It's good to check in at least monthly or, as we do, daily. The same as any successful business must know their income and liabilities, so should you.

Get More - Spend Less in Retirement
Billy and Akaisha Kaderli

Are you feeling financially pinched with retirement just around the corner? According to a recent report from the Economic Policy Institute (EPI), Americans are not saving enough with the mean savings for the ages between 32- 61 being about $96,000. I am sure you ...

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Searchin' Fer Salt - Jinghong, China
Billy and Akaisha Kaderli

When in a western country, finding table salt is no big deal. Any grocery store carries it, and usually in several varieties and brands. Easy to find. However ...



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About the Authors

Billy and Akaisha Kaderli are recognized retirement experts and internationally published authors on topics of finance, medical tourism and world travel. With the wealth of information they share on their award winning website, they have been helping people achieve their own retirement dreams since 1991. They wrote the popular books, The Adventurer’s Guide to Early Retirement and Your Retirement Dream IS Possible available on their website bookstore or on

For more information about financial independence and travel, visit our book store

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Over 1,400,000 visitors annually.

Billy and Akaisha continue to journal and photograph their world travels.

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