Retire Early Lifestyle

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.




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Retire Early Lifestyle is a content based website that appeals to a different kind of person - the person who prizes their independence, values their time, and who doesn't want to mindlessly follow the crowd.

Our Latest Adventure

Creating Happiness

Creating Happiness 100 Times Over Again

Recently I read an article about happiness and how we can increase its presence in our lives. Preventing Adaptation is the Key to Happiness The premise of the piece was that frequent, small pleasures increase our happiness level far more than one big pleasure.



Your mail needs while traveling

Your Retire Lifestyle Mentors Ask us anything to help you

Jackie Lange has your answers regarding Panama



The 4% Withdrawal
Billy and Akaisha Kaderli

I thought it would be a good practice exercise to see how our portfolio would have held up and performed during the 29 years of retirement that we have enjoyed. In this exercise, we would have stayed fully invested through all the markets' highs and lows. As you can see from the chart, our portfolio would have done quite well.



Earnings, The Bullish Test Comes As Earnings Season Begins 07-03-20

Real Investment Report
Lance Roberts

A Breakout Of Consolidation - Over the last few week’s we have noted the continuing consolidation of the market since the June peak.  When markets are overbought short-term, that condition is resolved through a correction or consolidation process. Such is what occurred during the last part of June and completed last week.


Looking through the archway across the main plaza to the barracks made for the soldiers California San Juan Bautista Mission
Billy and Akaisha Kaderli

There are 21 Spanish missions in California begun by the Catholic Friars of the Franciscan Order. They began the missions in 1769 and continued until the early 1830s. The idea was to spread the Christian faith among the local Native American population.


High End Yoga resort - Mar de Jade Chacala Beach - The Year of the Pandemic

We are at Chacala Beach, Nayarit during the COVID pandemic. The beach is technically closed, with authorities wanting to control large gatherings. Almost no one is at the beach here, but hotels and restaurants are open. Swimming pools at the hotels are crowded, but the beach is bare. News is that any day, the beach will open. Two hours south on the coastal highway, Puerto Vallarta in the Mexican state of Jalisco is wide open.


Wishing for Retirement? - Replace Hope With Action!
Billy and Akaisha Kaderli

Now is the perfect time to commit to your retirement goals. Markets are vulnerable to changes in the world's circumstances and every talking head has an opinion. What to do? If early retirement is your ambition, then remove any obstructions to that destination. Stoke up your internal fire and resolve to bring it about, one way or another.



Billy at his computer keeping up with the markets and global events while in Thailand

Finding a Job
Billy and Akaisha Kaderli

Mind you, I was not looking for a job at NASA. Job markets go up and down. But no matter where you might find yourself, you don't have to be at the mercy of a financial condition that seemingly is against you. It’s time to look at this situation differently.


Chapala lake, a major draw

Chapala, Mexico
Billy and Akaisha Kaderli

The north shore of Lake Chapala, Mexico is one of the premier retirement destinations for North Americans. We have been living here off and on since 1993, and there have been many changes to what used to be a sleepy town of 40,000. For the most part, those changes have been good ones.

Skyline to the Sea Trail, showing topography. Santa Cruz, California Traveling for the First Time with Your New Lover
Billy and Akaisha Kaderli

Traveling is different than a two-week vacation in a beach resort. Visiting unique countries and landscapes with many unknown factors can be challenging - even in the best of times. Now add in your new significant other, with travel uncertainties and requirements. With no guarantees about what comes next, you have a recipe for a relationship disaster before it really began.

Stunning vistas everywhere you look Watch 12 year old Harvey answer some questions and shine Billy's shoes in Panajachel, Guatemala. What a cute kid! This is his own business, and he pays for school supplies by shining shoes.  

Billy and Akaisha Sipping Coffee in Hanoi, Vietnam

Our Profile - Billy and Akaisha Kaderli

Our successes in both the Brokerage and Restaurant businesses afforded us the opportunity for early retirement at the age of 38. This was a bit unconventional, especially three decades ago, but that is only part of the story.


Billy and Akaisha enjoying their freedom in Thailand, sitting at a table with rice paddy in the background Transitioning to Retirement - A Remarkable Story
Billy and Akaisha Kaderli

Has your transition to retirement gone smoothly? Did you meet unexpected obstacles along the way? If so, how did you handle those? Did you move through them, take a different turn, or stop? Our first days into retirement absolutely did NOT go smoothly. But now it's a remarkable story we tell to others along that same path.


Puerto Vallarta from our plane

Puerto Vallarta, Mexico

Come for the weather, stay for the adventure. LIVE MUSIC, excellent weather, great food, beaches, babes and bars. Check it out!




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Don’t ask yourself what the world needs; ask yourself what makes you come alive. And then go and do that. Because what the world needs is people who have come alive. - Harold Whitman


We took social security at the age of 62, should you?

Real peoples testimonials of our book. The Adventurer's Guide to Early Retirement

 Chapala Living Guide is based on our first hand eperience of living in Chapala, Mexico

This book could change your life...for the better, financially and health


Your Retire Lifestyle Mentors Ask us anything to help you

 If you are looking to retire and create your own farm we recommend visiting Silver Lake Farms

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The serenity of the water is stimulated by the joy of fishing. Journey with us into the life of angling at Catch and Fillet, for fishing tips, guides and reviews.

 Globo Surf






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Decades of a global lifestyle

Was it Worth it? Retiring 30 Years Ago at Age 38 - Was It Worth It?
Billy and Akaisha Kaderli

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.




Metal statue of man and woman on Mazatlan malecon, Mexico The Malecon in Mazatlan, Mexico
Billy and Akaisha Kaderli

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.

Billy enjoying the beach I Don't Understand the Stock Market
Billy and Akaisha Kaderli

“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.

A pile of Quetzales, Guatemalan money Expat Living and Dollar Fluctuations - How to deal with Dollar Fluctuations when you live outside the US
Billy and Akaisha Kaderli

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?

What a view of the city from this monument location! Guanajuato, Guanajuato, Mexico - Her Streets and Fascinating History
Billy and Akaisha Kaderli

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.

How to Become a Millionaire by 50 years of Age
Billy and Akaisha Kaderli

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.


Traveling in the Ecuadorian Andes Mountains An Interview with Billy Kaderli
Billy and Akaisha Kaderli

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!

Billy horseback riding in the Andes Mountains in Ecuador 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?


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.

Keep Your Mind Sharp Even When You’re Retired

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.

Billy and Akaisha in front of ancient wall in Antigua, Guatemala How to Double Your Social Security Check
Billy and Akaisha Kaderli

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.

beautiful surf on Naples Florida beach How to Choose Your Future
Billy and Akaisha Kaderli

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.


Akaisha-Kaderli-June-2020 How (NOT) to Fail at Early Retirement

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.




One of the most beautiful places on the planet

Four books on Mexico, a great value. Take advantage of our insights.

The Pacific Coast of Mexico Guide details our travels along the coast.

The Highlands Guide is all about Zacatetas, Guanajuato and Jerez


Want to go to Guatemala. This is the book to travel with

Thoughts about retirement in other locations? Guatemala, Mexico, Thailand and the US are compared.

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Our work was also featured on Caregiving Mag





Profile of Billy and Akaisha 38 year old retirees

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


Retire Early Lifestyle appeals to a different kind of person – the person who prizes their independence, values their time, and who doesn’t want to mindlessly follow the crowd.

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