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.

We have followed your adventures for years, and enjoyed The Adventurer's Guide to Early Retirement very much. You are a lot more adventuresome than we are as far as travel is concerned, but the points you make about investing for retirement, and controlling expenses is extremely valuable for everyone, whether they are close to retiring or not. We escaped the rat race when I was 51, and have been living the "good life" in Mexico since 1995.

Burt & Lucille Kennedy, Ajijic, Mexico

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Your Retire Lifestyle Mentors Ask us anything to help you

Jackie Lange has your answers regarding Panama

A follow up book on our early retirement adventures

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How The Market Works: Tips for Beginner Investors


Our Latest Adventure

Real Investment Report
Lance Roberts

Market Believes It Has Immunity To Risks - As noted last week, the spread of the coronavirus has had little impact on the markets so far. “”The market bounced firmly off the 50-dma and rallied back to new highs on Thursday. While Friday saw a bit of retracement, which isn’t surprising given the torrid move early in the week, the ‘virus correction’ was recovered. Importantly, sharp early-week rally kept ‘sell’ signal from triggering,“

Chich'en Itza - Yucatan Peninsula, Mexico
Billy & Akaisha Kaderli

The Maya name "Chich'en Itza" means "At the mouth of the well of the Itza." Since the Northern Yucatan is arid, and the interior has no above-ground rivers, the only means of retrieving water was through natural sink holes called conotes. From outside observation, this feat of retrieving water where there didn't appear to be any source was attributed to magic. Itza in Spanish is often translated as 'Witches of Water,' but a more precise translation would be 'Magicians of Water.'

A GREAT Rooftop Bar in Cartagena, Colombia - Cafe del Mar

One of the most popular rooftop bars in the Walled City of Cartagena, Cafe del Mar draws a crowd. Dancers, pumpin' music, and one of the best views to watch the sunset this is a must visit place.

Is Retirement in Your Future?
Billy and Akaisha Kaderli

The perfect time for retirement doesn't exist. This is what we have learned in our almost three decades of financial independence. Things change, and sometimes radically. There simply are no guarantees. From our point of view, a full and rich retirement is still possible for many people right now. Sometimes it takes personal flexibility in how one's retirement is defined, as well as self-discipline and commitment to making one's dream happen.

Coffee Shop La Esquina del Pan de Bono, Cartagena, Colombia

We frequented this popular little coffee shop daily on an active corner inside the Walled City of Cartagena. Billy would have his cappuccino and I'd have a fresh mango smoothie. That and a pastel de chocolate, and we were good to go!

Hotel El Viajero #2
Billy and Akaisha Kaderli

Billy got a great deal from Guadalajara, Mexico to Cartagena, Colombia on COPA Airlines. At $373USD round trip per person, we couldn't say no. We knew that we wanted to stay inside the Walled City of Cartagena because the photos of the Colonial past along with the Caribbean colored buildings here would be more our style than its modern counterpart.

On Top of the Ancient Dungeon of Walled City Cartagena, Colombia

Billy walks on the rooftop of the old Dungeon of Cartagena, Colombia. To the left is the College of St. Peter Claver, and to the right is the Caribbean Sea.

The Caribbean Colors of Cartagena, Colombia
Billy and Akaisha Kaderli

I have heard of Cartagena, Colombia for decades. But for some reason I never fully realized that this historical town is located smack dab on the Caribbean Sea. That means lots of different things such as pirates and treasure, terrific fresh seafood, both salsa and steel drum music and the lively Caribbean colors of the painted houses. Mix Colonial structures in with vibrant bougainvillea and vines dripping down from latticed second story balconies, and you have a vivid Cartagena! Come take a look.




Fresh Mandarin Orange Juice Vendor on the Streets of Cartagena, Colombia

If you have never tasted fresh Mandarin Orange Juice before, it's a real treat! Here we are on the outside of the Walled City of Cartagena in Colombia where a man sets up his juice stall. ICE COLD fresh juice in the tropics. AAAAAHHHHH!

Blueprint for Financial Freedom
Dayana Yochim

When it comes to getting two people to agree on anything, from the color of Corian for the countertop to an acceptable amount of investment risk, things get a bit dicey. Dayana Yochim shows twosomes how to spruce up their finances -- together -- and make the project go smoothly.

Ladies in White Dancing in the Plaza, Cartagena, Colombia

Graceful Palenqueras in pristine white are dancing to the drumming of their male counterparts. All of this happens in one of the many plazas in Cartagena, Colombia, a city of picturesque beauty.


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Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great. - Mark Twain


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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Wow...Panajachel, Guatemala and gem in the rough for retirement.

All you need to know for a great trip to Guatemala

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Walking Around Cartagena, Colombia
Billy and Akaisha Kaderli

Located on the northern tip of South America and right on the Caribbean Sea, Cartagena is packed with history. Together with Havana, Cuba and San Juan, Puerto Rico, the port of Cartagena was an essential link in the great commercial maritime routes of the West Indies. It played and important part in the history of world exploration.

Eating at The Star Restaurant, Cartagena, Colombia

Here we are at a very popular local open-air restaurant called The Star. Just up the street from our hotel, we ate here most afternoons. TASTY food, fun people, and GREAT prices!

Meet Eddie the Hat Vendor in the Walled City of Cartagena, Colombia

Here we are almost on the equator in the tropical Walled City of Cartagena, Colombia. It's SO hot ya gotta buy a hat! In this video, you'll meet Eddie, the hat vendor.

Livingston, Guatemala Where the Jungle Meets the Sea
Billy and Akaisha Kaderli

An unanticipated joyous blend of Caribbean colors, Garifuna flavor and Maya culture, Livingston is the other side of Guatemala! With no overland access, this tiny outpost stays beyond the ordinary.

Economic Refugees
Billy and Akaisha Kaderli

We meet them everywhere along our travels. From Thailand to Mexico, from Guatemala to Ecuador, people known as economic refugees are looking for a better lifestyle, lower cost of living and fewer regulations than what they experience in the States.

Cartagena, Colombia from Inside the Wall Out to the Caribbean Sea

From inside the Walled City of Cartagena, Colombia, take a look out to the Caribbean Sea. Standing on the fortified walls of the city you can see a sentry post and some colorful Colonial Buildings. Cannons are further down the wall.




Cartagena, Colombia
Billy and Akaisha Kaderli

Sometimes it just takes a while. We have been meaning to get to Colombia for some time, and finally, all the pieces fell comfortably into place. Yowza! What a happening city! If you have never been, it's worth a visit. Take a look!

Time Is on Your Side
Billy and Akaisha Kaderli

"Begin now." That's what we say to those 20- and 30-year-olds who write to us asking how they should prepare to retire early. It may surprise you that we get letters from people still in college or just beginning (or even finishing) their careers. Some ask us what line of work they should pursue to give them a head start on cash savings, or where they might find a like-minded partner!

Cartagena, Colombia - Our First Look!

Views of the Caribbean Sea from the famous Walled City of Cartagena, Colombia. The city held treasure, and the pirates of yore wanted it! Pillage and plunder, and finally the wall was finished. A quick look at both the Historico Centro and of Modern Boca Grande.

When your investments pay for your bills and the lifestyle you want, you are no longer tied to a paycheck. Can you do this? YES! We did 30 years ago and are still Living the Dream. Find out how YOU can too!

How to Retire By 40 According to People Who Have Done It  - U.S.News & World Report  - Coryanne Hicks

The Experience Dividend
Billy and Akaisha Kaderli

Who said work is a four-letter word? With millions of Baby Boomers poised to leave the workforce within the next decade, many of us want to find ways to contribute from our vast wells of experience and knowledge. We want more freedom of expression in our lives instead of continuing what might be a lukewarm commitment to a full-time job.

Billy and Akaisha
The Adults of the Fire Movement

San Marcos, Lake Atitlan, Guatemala
Billy and Akaisha Kaderli

One of the great things about living on Lake Atitlan in Guatemala is the proximity of the neighboring lakeside towns. Each place captivates with their own flavor and personality, and are very different one from the other. On this day, we decided to visit San Marcos, well known for its New Age classes and hippie culture. Come take a look!

Solola Maya Market - The Sights and Sounds

Never been to an authentic Maya market? Don't miss this video! See native Maya dress and hear Spanish and Kaqchikel spoken in this large Guatemala marketplace.


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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