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 4th 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

Billy and Akaisha on Kata Beach, Thailand

Billy and Akaisha Kaderli

It takes sacrifice. Every relationship does for it to flourish. Some people like chocolate while others vanilla. Some like to squeeze the toothpaste from the middle while their mate works it from the end. For the partnership to endure each person has to give of themselves.


Jackie Lange expert has your answers regarding Panama

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Billy and Akaisha decades of financial freedom What If You could Retire Early?
Billy and Akaisha Kaderli

What if you could wake up and have nothing pressing on your schedule for the entire day? And you could spend that day doing anything you wanted?


home in Guatemala

What Makes "Home," Home
Billy and Akaisha Kaderli

Billy and I have been living life on the road for over 3 decades. We’ve been in dozens of countries around the world, staying in hotel rooms, apartments, a fifth wheel trailer and we’ve spent time on boats.




View from the deck A Quick Cultural Guide for Expats
Billy and Akaisha Kaderli

Recently, the media has been covering the influx of Expats into countries such as Portugal, Thailand, Mexico, Guatemala or Panama. Apparently, this rise of foreigners relocating in these cities and towns have the locals annoyed.

In front of a mural of The Old Train Station, Chapala, Mexico Retirees without Borders
Billy and Akaisha Kaderli

Now into our 32nd year of financial independence, we have traveled and lived in numerous countries. We consider ourselves to be Global Ambassadors.

Boats on Placid Lake Chapala, Mexico Towns with Perfect Climates - Where We Have Lived
Billy and Akaisha Kaderli

When winter is around the corner in the U.S. and Canada, snowbirds look to head south. During the last 32 years of world travel, we have found four locations that offer perfect climates or which have eternal spring-like weather.

market surges, Market Surges As New Bull Market Begins?

Real Investment Report
Market Surges As New Bull Market Begins? Following the recent Fed rate hikes and some “better than expected” economic data, the market surged this week. The rally is not surprising given the extremely negative sentiment and positioning in the markets in June.

A lone palm, a single beach chair, Placencia, Belize Placencia, Belize
Billy and Akaisha Kaderli

Home to some of the best beaches in Belize, Placencia is not a bad place to get stuck. We found ourselves needing to hunker down over a long holiday and finding a room was a bit tricky. It's a town where you can relax, but don't let your guard down completely.

Randy and Lori Grant overlooking the Cinque Terra town of Vernazza in Italy How Do You Contribute to the World?
Billy and Akaisha Kaderli

Sometimes there is an idea that those who FIRE are living an egoistic lifestyle, jet-setting around the world without thought to those who are less fortunate.


Dr. Galindo's private operating room, with panoramic view, Guatemala City, Guatemala

Catastrophic Health Care in a Foreign Country - Q & A with a Reader
Billy and Akaisha Kaderli

I was wondering how are you prepared for a possible accident or chronic illness (I hope it never happens!) that may involve a complex surgery or a highly expensive medical treatment?


Billy Akaisha

Why We Took Social Security at Age 62 - Update
Billy and Akaisha Kaderli

We decided to take Social Security at age 62. We know there are as many ways to consider this decision as there are days in a year. And many experts advise against taking social security “early” so that you get a bigger check at full retirement age. It is hard to argue against that.

Billy and Akaisha on Chacala Beach, Nayarit, Mexico Affording Our Lifestyle
Billy and Akaisha Kaderli

It’s no secret that we have been living on around $30,000 per year. Now into our 32nd year of financial independence we see no need to lower our spending. In fact, we are trying to increase it.


  A ship is always safe at shore but that is not what it's built for. - Albert Einstein



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

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

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

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Akaisha in a longboat on the Mekong River The Price of Security
Billy and Akaisha Kaderli

I bring this up because what I want to share is that security has a price. Everyone speaks about how risk is dangerous and sometimes unthinkable. It seems that everyone wants unmitigated surety – the 100% guarantee. But security never makes one courageous nor does it make a person’s heart sing.

Day 1: Valcarlos, Spain, Jim and Kathy on the El Camino Trail Hiking the El Camino Trail - Kathy and Jim McLeod share their experience!
Billy and Akaisha Kaderli

When we discovered our friends, Kathy and Jim McLeod were going to walk this trail, we couldn't wait to hear more about it from a personal experience point of view. Enjoy their comments and discoveries below!




Billy and Akaisha in a restaurant in Panajachel, Guatemala Perhaps Retirement Is Closer than You Think!
Billy and Akaisha Kaderli

The media is filled with dire stories about Americans not saving enough for retirement or imply that they are going to be eating Ramen noodles in their golden years. We'd like to offer a different perspective, and it might be a possible solution for you! Perhaps retirement is closer than you think.

Billy and Akaisha at Chacala Beach, Mexico 2021 Annual Spending Update - 31 Years and Counting
Billy and Akaisha Kaderli

We like to keep up-to-date with our Readers as to what our current spending is, and as of the end of 2021 we spent ...


Finding Financial Independence - Interview #42
Michael Quan

Today I have a special guests Billy and Akaisha who have been FIRE’d now for decades! Let’s learn how they bucked the trend long before “FIRE” had a name and what they’ve learned over the course of many fulfilling years together on this journey …

Billy and Akaisha eating Lunch on the shores of Lake Atitlan, Guatemala People Laughed at Us
Billy and Akaisha Kaderli

People laughed when - at the age of 38 - we told them we were retiring. Now into our 32nd year of this financially independent style of living, they are still working and we're still here.

Akaisha and Billy at Chacala Beach, Nayarit, Mexico Living Our lives at Our Chosen Pace, Always Dreaming
Billy and Akaisha Kaderli

Dreaming about the future is vital to Life We are approaching 70 years young and still have a thirst for adventure.

Billy at his favorite beach Buying an Annuity versus Equities
Billy and Akaisha Kaderli

I read an article by Mark Hulbert titled Why retirees are better off safe than sorry. This article was about retirement satisfaction and asked if having little money, a reasonable amount of money or lots of money made a difference.

Akaisha wading into ocean to get to sandbars, Holbox, Yucatan, Mexico Isla Holbox Sandbars Mosquito Point - Yucatan, Mexico
Billy and Akaisha Kaderli

One day while we were chatting with Diana, our server at A Mar Cafe, she mentions that we absolutely MUST go see the sandbars on Mosquito Coast.

Watching the Sunset on Lake Chapala is a popular pastime with locals and Expats. Mexico 7 Reasons to Move to Latin America
Billy and Akaisha Kaderli

While moving overseas isn't the answer to fulfilling everyone's retirement dream, more and more people are leaving their home countries to live elsewhere and for very good reasons. Below we have listed seven of these reasons.

10 Financial Risks and Rewards of Retiring Abroad
Cameron Huddleston

If your retirement dreams include making a home in a new land, you’re in good company. In the post-pandemic world, 12% of America now aspires to live abroad when they’re done working, according to the Aegon Retirement Readiness Survey 2021.

Our house sit in Antigua, Guatemala Retirement Housing Options Compared
Billy and Akaisha Kaderli

The cost of housing is typically the largest part of the monthly budget in any household. Knowing some housing choices can make this an exciting avenue to pursue in retirement.

Akaisha and Billy in Picton, New Zealand Briefcase to Backpack
Billy and Akaisha Kaderli

It has been over three decades since we exchanged our briefcases for backpacks and as it has turned out, it’s one of the best decisions we’ve made.




One of the most beautiful places on the planet

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

Early Retirement Blog

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

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The Highlands Guide is all about Zacatetas, Guanajuato and Jerez





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

Goldco Review

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



Profile of Billy and Akaisha 38 year old retirees now into their 31st year

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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

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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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