During one of our private two-hour lunches, Akaisha brought up the topic: “Was retiring early at the age of 38 worth it?” Wow! What a question. We each have had our share of personal ups and downs in life - before and after we retired. It was a subject worthy of discussion.

Many seaside cities and towns have their own malecon: a walkway adjacent to the sea where people can run, bicycle, walk their dogs, and enjoy the ocean view. Mazatlan is no exception.

“I don’t understand the stock market.” Over the years, I have heard this statement from people of all ages. I’m unclear as to whether it’s an excuse not to invest in equity markets or as a reason. Yet, these same people may have a pension, a 401K, or a life or home insurance policy -- all of which are invested in stocks.

Let's say you're living outside the US and your fixed pension or Social Security is based in U.S. Dollars. If the Dollar takes a dive and loses value against the currency you are using, what might that decline of the Dollar mean for you?

Guanajuato was founded as a town in 1554 and received the designation as a city in 1741. It is located in one of the richest silver mining areas of Mexico, and is well known for its wealth of fine colonial-era Spanish architecture. The historic town and adjacent mines are a designated World Heritage Site. One of the most notable features in the city of Guanajuato are her tunnels.

Becoming a millionaire by 50 years of age seems like an ambitious goal these days. But is it really? The secret is to start early. Let's take a look at some charts.

Some of our Readers would love to sit down and have a conversation with Billy, so we did an interview with him! Take a look!

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?

These early retirees’ investments survived the Great Recession, 9/11 and the dot-com boom — here’s how the COVID crisis is affecting them
Alessandra Malito

Nearly 30 years ago, Billy and Akaisha Kaderli decided they wanted to retire at 38 — in that time, they have experienced cities around the world and their money has survived numerous financial crises. Yet, they’re still doing better financially than when they started their journey.

Congratulations, you’ve finally retired from the daily grind, the seemingly endless struggle of your profession. You’ve worked hard and now it’s time to let things simmer down a bit. You’ve earned it.

The average monthly 2019 Social Security check is $1,422, which is $47.00 per day, or over $17,000 per year. Stories abound about how people are not able to live - or only struggle to get by - on their Social Security income in the United States. Even if they can manage to walk the budget tightrope, it’s not much of a retirement to look forward to and usually it's one that is supplemented with work. You can do better.

In pursuing your dream of financial independence, you will find that some things will support you in this quest, and others by nature will be obstructions.

First, let me say Billy and I don’t really use the word “fail.” We believe every situation offers learning opportunities and calling that experience a failure just doesn’t jibe with who we are. In our lives, we want to move forward with the knowledge and wisdom we’ve gained – not benchmark it emotionally by calling it a failure.