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

Lake Chapala, Mexico Our Five Reasons to Retire Abroad
Billy and Akaisha Kaderli

We read a piece by Dan Barnabic giving 5 Reasons Not to Retire Abroad. In all fairness, we believe there are two solidly different camps: those who could easily move abroad and thrive and those for whom that decision would be a disaster. I doubt that the twain will ever meet and they don’t need to do so. Given that, we thought the reasons Mr. Barnabic gave were tired and bordered on fear mongering, which is silly.


Your mail needs while traveling

Your Retire Lifestyle Mentors Ask us anything to help you

Jackie Lange has your answers regarding Panama



Photo of 4 beautiful women who retired young Do You Dream of Becoming a Millionaire? Make it Happen!
Billy and Akaisha Kaderli

Do you dream of becoming a millionaire? Living a life of luxury, no money worries, traveling when and where you want. Wow! Sounds great doesn’t it? Well, you can become a millionaire and live the life of your dreams. Everyone has heard that if you just give up that Latte or pack your lunch daily you can achieve this goal. And you can, but that's only half of the story, perhaps you can wrap your mind around the following idea more easily.


Real Investment Report
Lance Roberts

Market Breaks Above The 200-DMA In last week’s missive, we discussed how the market remained stuck between the 50- and 200-dma. At that time, we noted the risk/reward ranges, which encompassed a breakout or retracement within that range.




Popular Outdoor Sports Guides and Reviews

Find Your Favorite Outdoor Sports Gear Here

People are friendly

Chico's Beach Bar and Restaurant - A Fish Tale... Chacala, Nayarit, Mexico
Billy and Akaisha Kaderli

Chacala - both the town and the beach - isn't that big. You can walk the full beach from one end to the other in about 20-30 minutes. Restaurants, bars, cafes and individual vendor stands line the beach, facing the ocean. We tried several, but found that Chico's became our daily hangout, for lots of reasons.

The Beach at Placencia, Belize.

What's Your Number for Financial Independence?

View from our hotel in Puerto Vallarta, Mexico

The Best Investment Move We Ever Made
Billy and Akaisha Kaderli

It wasn’t supposed to work out this way. According to the financial pundits, we should have run out of money long ago, barely getting by, living on social security, and with little possibility of travel. At least, according to the money managers who write article after article on how Americans are not saving enough, investing poorly and need to follow their advice to succeed. If their advice is so great, why are they still working?



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.


Medical Tourism

International Insurance


Shrimp fettuccine

Creative Cuisine at Home - Lock Down Dinners
Billy and Akaisha Kaderli

As you may (or may not) know, Billy is a trained French Chef. He and I owned a restaurant for a decade in Santa Cruz, California, before his career in finance. We love to cook at home and both of us have a great time coming up with tasty combinations. It's a core value and interest that we share in our relationship. Recently, we spent some home time in Mexico making fabulous meals. Below you will find some photos of these meals that we enjoyed. We hope it inspires you to cook some beautiful creations of your own!


Salmon with orange sauce, restaurant Letra CH, Chapala, Mexico Letra CH Restaurant on Lake Chapala, Mexico
Billy and Akaisha Kaderli

A restaurant with a strange name (there's gotta be a story there...) Letra CH is one of the best kept secrets at Lake Chapala, Mexico. Serving a mixture of fresh seafood and fusion cuisine, this charming place has a lake view, a full bar, and pricing comes in various ranges. The son of a friend of ours owns this cutting edge restaurant and Billy thought we were overdue for a visit.



The Best CBD Vape Oil Buying Tips for Better CBD Vape Juice
Helen Bell

Someone who has been using a vape pen for a good amount of time, will be very familiar with swapping out different kinds of liquid to place in their vape pens. Whether it be for different levels of potency, or different flavors, for many people it will be an occurrence that happens on a regular basis.



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Confidence is created in the mind and is completely under your control. Outside influences do not enter into the equation. You cannot fool yourself into having it if you don’t truly believe it and, rest assured, there will always be many around trying to destroy it by claiming practicality. In all honesty, being sensible and realistic is a dream killer. Add to that, if your dreams are dead, so will be your joy. - Frederic da Silva


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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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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More Adventures

Financial Independence begins when you have enough money to enjoy the lifestyle you dream about.
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Billy and Akaisha in their RetireEarlyLifestyle face masks What We Did on Our Spring Break AKA Lockdown Time
Billy and Akaisha Kaderli

The Old Days of Unfettered Travel Returning from our fabulous trip to Cartagena, Colombia, I flew to Panajachel, Guatemala, in early March. After enjoying a couple of days at Lake Atitlan, the world began changing rapidly due to the COVID-19 virus, and travel plans needed to be adjusted hourly. I could see the writing on the wall, and it wasn’t pretty.


Panama Relocation Tours

The Complete Panama Relocation Guide will help you determine which city is the best fit for your lifestyle and budget. The Guide also has detailed information about Visa options plus you’ll get access to a rolodex of reliable contacts like: * best immigration lawyers * where to buy affordable health insurance * how to get your pets in to Panama * best real estate and property managers * and much more.  
Billy and Akaisha on the shores of Lake Chapala The Cost of Working
Billy and Akaisha Kaderli

As you contribute every month to your 401(k) (find out more at Crediful), you've probably asked yourself, "Do I have enough to retire?" But perhaps you should be asking, "How much am I paying to work?" After all, maintaining a career -- and the lifestyle that often accompanies it -- isn't free. How much is work costing you?

Randy and Lori enjoying a side trip to Santorini, Greece between house sits Make the Most of House Sitting Interview with Lori and Randy Grant, Professional House Sitters
Billy and Akaisha Kaderli

Many people would like to know more about house sitting -- the ins and outs, what to expect, how to get started, and if it's really feasible to do house sitting as a lifestyle. Lori and Randy Grant, professional house sitters, were more than generous with their time in answering our questions, and in providing photos and a couple of house sitting stories at the end of this interview.

Sunset with ethereal clouds A Little "Vitamin Sea"  

Billy and Akaisha on the beaches of Naples, Florida Top Ten Google Retirement Questions
Billy and Akaisha Kaderli

Google released the Top Ten Google searches for retirement for the past year. Check them out:

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. We have always lived an unconventional lifestyle and the fact that so many experts agree on waiting for payment gives us pause for thought. Here is our logic.



Billy and Akaisha at beautiful Lake Chapala Easy Livin'
Billy and Akaisha Kaderli

When we write about living overseas in a retirement destination, one of our criteria is that it must be “easy living.” What do we mean by that? We love day-to-day life in a location with terrific weather, natural beauty, reasonable prices, great fresh food choices, kind people and no need for a car.

Surfer taking a rest on the beach, Kata Beach, Thailand Surf's up in Kata Phuket, Thailand
Billy & Akaisha Kaderli

It’s not our first time. We have been to Kata Beach at the southern tip of Phuket Island numerous times, but each visit was only 5, 7, or 10 days long. This time we stayed a month. Thirty full days of body surfing, lounging on the beach and eating fresh seafood.

Billy and Akaisha Kaderli

A popular retiree destination, Chiang Mai, Thailand is worth the look.


Billy and Akaisha Taking a break in Antigua, Guatemala It’s a Lifestyle, Not a Vacation - More Retirement Reflections
Billy and Akaisha Kaderli

Ever wonder how it was for us in the beginning of living life without a paycheck? In 1991, we understood that we were retiring with the idea that we would not be returning to work. If we had to, we would, but it was not part of the plan. We were not taking a break from work, we were leaving the working world all together. .

Akaisha goofing off with a rose between her teeth. Have fun with Life! 5 Tips to Change Your Life
Billy and Akaisha Kaderli

As we go through Life, we tend to pick up some wisdom. Hopefully we learn a more stress-free manner of living, a style of engaging more confidently, with less conflict to our days. Below are five tips on how to move in this direction of personal peace, and they will change your life if you implement them.



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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