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In 1991 Billy and Akaisha Kaderli retired at the age of 38. Now, into their 4th decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.

2020 Annual Spending Update

30 Years and Counting

Billy and Akaisha Kaderli

Billy and Akaisha at Chacala Beach, Mexico

Billy and Akaisha at Chacala Beach, Nayarit, Mexico

About ten years ago we produced this video: Adventures in Financial Independence where we listed our annual spending and daily average.

We like to keep up-to-date with our Readers as to what our current spending is and as of the end of 2020 we spent $28,133 or $76.87 per day. Plus we blew the $2400.00 stimulus check on repairs in our humble abode in the States. Our average spending for 30 years of financial independence or 10,950 Days, is $23,241 annually or $63.67 per day.

At the same time our net worth has continued to climb outpacing inflation after spending. Now entering our 4th decade of experience, I think we are getting the hang of this lifestyle and financial freedom.

Generally speaking over these last 30 years, we have been utilizing Geographical Arbitrage, living in cost beneficial countries such as Guatemala, Mexico, Vietnam, and Thailand, thus positively affecting our numbers. The Peso-to-Dollar exchange right now is a great deal, making Mexico seemingly on sale.

We kept up a travel schedule in the Year of the Pandemic, adapting to changing regulations. When others chose to remain in place, we saw opportunities in bargain flights and empty hotels. We visited four countries on two continents.

In January we flew to Colombia, returning to Chapala, Mexico. Throughout the year we made six trips to our favorite beach, Chacala. Billy had a shortened trip to Guatemala due to COVID closures, and one trip to Puerto Vallarta was cancelled. Akaisha visited the US and then we flew and bused between Puebla, Cuernavaca and Oaxaca, only to return to Oaxaca a couple of weeks later. Billy flew to Puerto Vallarta then taxied up the coast to Sayulita and once again to Chacala.

Because of this great exchange rate, the year before we traveled from Chapala, Mexico to McAllen, Texas, Las Vegas, Nevada, Prescott Valley, Arizona, more travel through Mexico to Chacala Beach, Puerto Vallarta, and took the ETN bus to Morelia, and Patzcuaro.

We also enjoyed a much anticipated train ride through Mexico's Copper Canyon did some extensive traveling in the Mexican Highlands, visiting the cities of Tepatitlan, Atontonilco El Alto, Jesus Maria, and Arandas, tasting some of the best tequilas in the world.

We continue to self-insure for health care, taking advantage of medical services in the countries where we stay. Now, since we are 68, we qualify for Medicare and no longer need to take out a Traveler's Health Insurance Policy from World Nomads to cover our time in the USA. A few years ago at age 62, we decided to begin taking our Social Security. Billy has made some adjustments to our portfolio using ETFs which allows him to buy and sell in real time, and take advantage of market downturns, as well as market upswings.

House sitting from time to time has helped with housing costs.





We continue to eat well, live and travel comfortably and make visits to the States regularly to see family.

It's a GREAT life.

If we can do it, you can too!

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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

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