What Makes You Rich
Billy and Akaisha
It's a profound
Some of the best
financial minds in the business had not predicted this severe a drop in the
market nor its volatile swings. Many of us have seen our retirement savings
go through the grinder and our future dreams left in shreds.
But we've been through
tough financial storms before, such as the 1987 stock market crash and the
long and chilly bear market of 2000-2002. And without trying to sound like
Pollyanna, it is during these significant drops in the markets that we find
ourselves to be the most grateful.
Before you reject this
idea out of hand, hear us out. When our financial futures seem unpredictable
and world events are clearly out of our hands, these are the exact times
where we are forced to look at what security means in other ways.
These situations compel us to recognize the personal capital we have as
bear markets, we use history as a guide and take heart from the knowledge
that these downturns have always ended. In times past, we decided on a
specific number that our nest egg would reach before we would choose to go
back to work. We also discussed the type of work we would look for, as well
as how much money we would need to earn to compensate for the market's
If those new jobs
would require another vehicle purchase, a long commute with the consequent
fuel expense, or a new wardrobe, we weighed that against living the
lifestyle we've been enjoying for almost 20 years. We know that flexibility
with each other and with our financial choices is important. We also know
that simply sitting home and obsessing isn't productive.
In the end, we've
decided it's more important to us to continue to travel the world as long as
we're able. We as Americans have been deeply blessed with opportunity and
wealth, and living among people who have never seen such favor brings a
point home to us: This is our time to give.
As we have done in
previous times when our portfolio has suffered a beating, we take the
occasion not to dwell on what has been lost, but rather to volunteer and
give to those who would never be able to live the fortunate lifestyle that
we have created. We are still able to give of ourselves, because our future
is not completely tied up in what our financial statements say, and we value
the astounding worth of our human currency.
If we look around us,
we find that there are always people worse off than we are. Our ability to
give from our experience and talents is vast. This is a significant source
of valuable exchange, and it enriches our lives far beyond a financial asset
Sure, you need money
to retire early -- but that's only half of the story. No one can forecast
the future, and if you're strong enough to take the leap of early
retirement, you know that you can manage no matter what's brought upon you.
No one who retires
early gets there by following the crowd. You're unique, independent, and in
control of your future, even if you have no idea what that future will turn
out to be. That's what makes life exciting, right? So at some point you need
to have faith, take the leap, and know that everything will work out.
What's important to us
as a couple is to not lock ourselves in mentally or creatively. In our
experience, it hasn't proved useful to recede into fear or exaggerated "what
if" scenarios. We know that it's necessary for us to have fun with the
degree of freedom that our personalities require, and we keep these words of
Ralph Waldo Emerson close to our hearts: "It's one of the most beautiful
compensations in life ... that no man can sincerely try to help another
without helping himself."
What you can do
If you're currently
retired, or if you're considering retirement as a lifestyle and don't want
to give up your dream, consider the following volunteer-related options.
Volunteering puts your skills to work and offers you social interaction. It
can easily replace costly mindless entertainment options you have previously
chosen, and it creates a win-win situation. These exchanges of human
currency will enrich your life and the lives of those you touch.
** Assess your talents
and experience. Find out where these talents would be appreciated in your
part of the world. Could you teach at a community college or coach sports
for an evening league? What about donating your organizational skills at a
food bank? Could you volunteer in your local hospice program? Help someone
get his or her GED? Type in your ZIP code at
Volunteer Match to find
hundreds of opportunities.
** With the holiday
season coming up, why not sort through the items in your garage and closets
and gift the bounty to a homeless shelter, a
Goodwill near you, or your church
** Do you have a
neighbor who is a widow or widower? Cooking that person a meal and
delivering it may serve as a break in their personal darkness. Taking your
mind off your own troubles and helping out another can dislodge one's own
negative perspective and allow you to see the wealth you truly have.
About the Authors
Billy and Akaisha Kaderli are
recognized retirement experts and internationally published authors on topics of
finance and world travel. With the wealth of information they share on their
they have been helping people achieve their own retirement dreams since 1991.
They wrote the popular books,
The Adventurerís Guide to Early Retirement and
Your Retirement Dream IS Possible.
information about financial independence and travel, visit our
and Akaisha continue to journal and photograph their world travels.
Retire Early Lifestyle Blog
About Billy & Akaisha