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.
How Do You Know
You Are Wealthy?
Billy and Akaisha Kaderli
In 1988, when we were first contemplating leaving the traditional
working world and replace it with a life of travel, wealth was described only in
terms of having money and possessions. Our decision to
a lifestyle of our choice was met with controversy. Some friends and family disapproved, while
others became angry or confused. In general there was fear, doubt and dire
warnings of our social and financial collapse. That’s because our decision
challenged everyone we knew.
In 1991, at the
age of 38, we made the leap to our National
Geographic lifestyle despite our peers’ advice. A decade later - after the
Dotcom bubble burst and real estate values began to collapse - wealth became
connected to having more control over our daily schedule. In these days, the
buzz was all about “quality time” with those we loved or time to travel, to
pursue a hobby or personal path of one’s choice.
Frugal was “the new black” and in vogue.
Life is not a One-Size-Fits-All. You are the only one who knows
what’s important to you, what you value and what sort of life you
dream to live.
You are also the only one who can give that away or trade your dreams in because
you are afraid or have lost belief in the possibility to make them happen.
For us, adopting this vagabond lifestyle has always been about
Freedom; the freedom to choose where we lived and how long to stay; the freedom
to sample different cultures for longer than a two week vacation. We were free
volunteer our time - and it became a priority because we were financially
independent and didn’t have to concern ourselves with the basic needs of living.
We discovered that amazing opportunities - in every category of interest -
presented themselves to us, and we took advantage of them.
This was the pot of gold we were seeking; Continental travel,
global friendships, learning languages,
living among the
traditional cuisines of the world and living history first-hand.
To build a life of your own choosing, it does take some sort of
financial cushion to make it happen. But one does not need to be “massively
wealthy” to create a fulfilling lifestyle that is out-of-the-box of traditional
We are a perfect example of this as we would not be considered
wealthy by means of financial measure. Case in point, we have chosen
not to own a car and we don’t have a
brick-and-mortar home with the accompanying pressure
of mortgages and a home’s need for repair and maintenance. However we do
consider ourselves rich because we live a life most only dream of. We have
global experiences, decades of colorful memories, a developed sense of
self-reliance and a belief in our future. This is priceless.
Do you know how much you spend every month to maintain your
current lifestyle? Are you carrying debt on your credit cards, for school loans,
or cars? Have you ever tracked your spending to find out how much you pay out
per year for housing, transportation, food/dining and entertainment? Do you know
what you spend on a
per day basis?
Knowing how much and where your money goes today, gives you the
information you need to make necessary changes. These lifestyle decisions will
help you to
accumulate the finances to allow your dreams to blossom.
Save as much as you can and invest it wisely.
The only way your dreams can come true is to develop
self-responsibility for the financial decisions you make. No matter what is
happening in the world around you, or where you find yourself financially today,
commit yourself to self-determination and move in the direction you want to go.
Cut your losses short, learn from your mistakes and move forward.
If you think all of this is too far out of your personal reach,
we say this: Never underestimate the power of passion and persistence.
These qualities are the “great equalizer.”
Passion for your dream and your persistence in making it happen
will do more for you in the long run than a big paycheck or a lucky break.
The future is YOURS to be had, and no one can take it away from
you unless you allow it. Hard work, human decency and a little ingenuity can
take you anywhere. This is a fundamental view for those who achieve success.
Follow YOUR Dreams
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 Adventurer’s Guide to Early Retirement and
Your Retirement Dream IS Possible
available on their website
bookstore or on
information about financial independence and travel, visit our
Billy and Akaisha continue to journal and photograph their
Retire Early Lifestyle Blog
About Billy & Akaisha