Retire Early Lifestyle

Retire Early Lifestyle
Retirement; like your parents, but way cooler

We asked our readers how they are coping.

Each winter I stay in Panajachel, Guatemala for three months; this is my 11th year to be here, enjoying the weather, the scenery, and the Mayan culture. Two weeks ago, alarming stories were coming from the US Embassy in Guatemala City. So my dilemma: to stay here for an indefinite time, with no idea how the course of the virus would develop here, or take a chance and return to Ohio there were already many diagnosed cases of the virus. I chose to stay in Panajachel; I feel neither “stranded” nor “stuck.” I’m now the only person in the Hotel Regis. There are a few Americans and Canadians here, and we are scrupulously observing the government’s curfew, 4 pm to 4 am. Local people on the street are unfailingly friendly and helpful; having a small dog helps get a conversation going. Most people are wearing masks, and every store and market (so far all well stocked) takes my temperature with a forehead thermometer.

I made the right decision to remain in Panajachel.  - Vivian Harvey, Columbus OH and Panajachel

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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

Johanna in her store Personal Capital - Living the Village Life
Billy and Akaisha Kaderli

Over the last three decades of financial independence, Billy and I have done some extensive world travel. While we have seen the large cities, the amazing architecture, eaten in some of the finest restaurants and enjoyed museums, plays, and concerts, generally, we are attracted to Village Life.



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Your Retire Lifestyle Mentors Ask us anything to help you

Jackie Lange has your answers regarding Panama

typical full plate at La Estrella Restaurant, Cartagena, Colombia

La Estrella Restaurant - Bar Cartagena, Colombia
Billy and Akaisha Kaderli

We were finally on our long-awaited trip to Colombia. After settling in at our hotel, the first afternoon we simply walked out the door, found a place and (happily) ordered some of the best burgers we have had in Latin America. But these were at tourist prices, so we needed a local place - A restaurant where the native Cartagenos ate, at native prices.


The physical beauty of Pana and Lake Atitlan remains. Panajachel, Guatemala
Billy and Akaisha Kaderli

Continuing on our 105 Day Adventure we leave Xela, Guatemala, the unofficial yet rarely disputed Capital of Maya Culture, and head towards Lake Atitlan, where Maya believe the world began. Since the Mayan calendar predicts the end of the world December 21, 2012, we wanted to find out first hand what these indigenous people thought about their ancient prophecies. But first, we had to grab a taxi.


Real Investment Report
Lance Roberts

Major Technical Failures Confirm Bear Market Risk - In last week’s discussion, we stated the “bear market” was not yet complete. This was despite the “market rally,” which convinced the media the “bull market was back.”




A closer look at the airboats Everglades City Airboat Tour
Billy and Akaisha Kaderli

Southwest Florida has a very colorful history. The Everglades were filled with smugglers, outlaws, bootleggers, environmental activists, alligator hunters, songwriters and Gladesmen. We airboated through the Everglades on a previous visit to Florida, and we just happened to be returning there when Captain Gary wrote us an email. "You toured with me before. C'mon down! I work for a different company now and want to show you what we got goin' on." You bet. Wouldn't miss it for the world.


Seductive Sedona - Sedona, Arizona, USA
Billy and Akaisha Kaderli

Located in the stunning southwest of the United States, Sedona, Arizona has captured the hearts and fantasies of people for centuries.


Boracay Sailing Adventure Philippines
Billy and Akaisha Kaderli

Sailing, snorkeling, diving and general beachcombing are the delights of this charming island. We found the perfect sailing vessel, aptly named Amour, and took several sails and day trips through the aqua waters.


Where the fishermen dock Chacala Beach Chacala, Nayarit, Mexico
Billy and Akaisha Kaderli

It was our first visit to Chacala in the state of Nayarit on Mexico's Pacific Coast. We can certainly recommend this destination if you enjoy small, clean beaches with exceptionally fresh seafood. This section of Mexico has many beautiful beaches worth visiting, many only accessible by boat tour. Here's a closer look at Chacala Beach.

Billy and buddies in Ajijic, Mexico Don't Retire Early! - Is Suze Orman Right?
Billy and Akaisha Kaderli

Recently, I watched a video of Suze Orman, a personal finance guru, being interviewed about the very popular FIRE movement (Financial Independence Retire Early). It was exactly 23 minutes into the hour plus video when I had to shut it off. I couldn’t take anymore fear mongering and negative “sky is falling” scenarios.

Are You Prepared for the Ups and Downs in Retirement?
Billy and Akaisha Kaderli

Retirement is not static. It's an attractive goal, but not the end of the road. No one knows what the future will bring, and no matter how much one prepares, there is always the unexpected lurking around the corner. Having a respectable nest egg or proper insurances in place can aid us in times of personal change. But some events are beyond our control.

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.

View of Lake Atitlan from Hotel Nuestro Sueno Charlie Takes Command of a Piano in San Antonio Polopo, Guatemala LIVE MUSIC

Charlie gives a mini-concert at Hotel de los Suenos in the indigenous Maya Village of San Antonio Polopo, Guatemala. The Mayan women are mesmerized. Go Charlie!



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You do not need to know precisely what is happening, or exactly where it is all going. What you need is to recognize the possibilities and challenges offered by the present moment, and to embrace them with courage, faith, and hope. ~ Thomas Merton


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

The Adventurer's Guide to Early Retirement 4th Edition

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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Nevis, West Indies How Travel Prepares You for the Unexpected
Billy and Akaisha Kaderli

Even before we met, as individuals, Billy and I have always loved to travel. I have written about my cross-country adventure on the back of a motorcycle when I was 19. Billy also traveled with his van to Guatemala in the 1970s and back again to his hometown of Cincinnati, Ohio.



Santo Domingo Church in Oaxaca, Mexico Must See Places in Mexico
Billy and Akaisha Kaderli

Mexico is a huge country and it's hard to know where to go if you only have a limited time to visit this nation. Some people prefer the beaches, some might want to take advantage of the culture, history and international restaurants, and others could consider emigrating to spend their retirement years there. Below are must-see towns and cities along with useful notes to help you get an idea of what Mexico offers.

San Pedro straight ahead Riding Back to Panajachel Hours Before Shutdown of Guatemala

Billy and Charlie are in a lancha on Lake Atitlan coming back from Santa Catarina Polopo to Panajachel. "If we have to be stuck somewhere, this is a good place..." until the whole country shut down hours later. Restaurants, bars, markets, public transportation and the border were all closed. How did they ever get home to Mexico?

Captain Ray Gaines Traveling offers opportunities to meet some awe-inspiring, out-of-the-ordinary people. Ray is just one example. Courageous, Captain Ray Gaines
Billy and Akaisha Kaderli

I first met Captain Ray Gaines while sitting at my poolside office in Chiang Mai, Thailand, with my good friend Paul Terhorst. Paul and I were discussing the important events of the day, including the wonderful poolside scenery that had just been freshly imported from France.

San Antonio boys fishing off the dock Santa Catarina Polopo, Guatemala, Hours Before Country Shut Down

Billy crosses Lake Atitlan to Maya village Santa Catarina Polopo where school children play soccer (or futbol). Everything seems normal, but a few hours later, the country shut their borders, all public transportation, restaurants and bars. Then Billy had to find his way out of the country, back to Mexico.

Rooftop view of the ocean from our hotel, Zicatela, Mexico 5 Steps for Millennials to Become Financially Independent
Billy and Akaisha Kaderli

Becoming financially independent is a worthy goal no matter at what age one achieves it. If you are a Millennial, where do you start?

Fountain tribute to the fishermen of Lake Chapala Chapala, Mexico Market Sunday Morning, March 22, 2020

During Coronavirus Pandemic Billy walks around the Market on the Plaza this Sunday morning. The Coronavirus pandemic restrictions have hit many places in the world hard, but here in Mexico, life is still fairly normal.



Can't get to your PO Box to retrieve your mail? Afraid to touch Your Mail?Try

Lake Chapala at sunset Chapala, Mexico, Sunday, Waiting out the Virus, March 22, 2020

Billy walks around town this Sunday morning to give you a glance of what life is like here during the Coronavirus pandemic. People still have their senses of humor and are upbeat. Some places are following a volunteer 5 day "Stay at home" request by the city, but many places are still open.


Kathy and Jim in Placencia, Belize, April 2017 An Updated Interview with Jim and Kathy McLeod
Billy and Akaisha Kaderli

Retire Early Lifestyle interviewed Jim and Kathy McLeod a few years back when they first retired. We caught up with this happy couple and asked if we could do an update on their lives as early retirees. Read this fun and informative interview.

Map of beautiful Lake Atitlan Billy Makes it from Guatemala to Mexico through Closed Borders - Coronavirus

Thank God Billy is home safely now, after a journey through Guatemala to Mexico. Unexpected stops by police, being dropped off in the middle of nowhere, eventually grabbing a tuk-tuk and making it to Mexico through fortified borders. Billy made it through by remaining calm and upbeat with authorities who were only trying to do their jobs.

Volcano San Pedro is one of three that surrounds Beautiful Lake Atitlan Riding Out the Virus in Panajachel, Guatemala

Billy is spending some time in Panajachel, Guatemala, where he's riding out the corona virus. But things are changing at lightning speed! Guatemala did close their border and stopped public transportation. He managed to make it back to Mexico... but I'm waiting for him to return back to Chapala. Stay Safe Everyone!



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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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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