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.

Another memory I have is the first time anyone had ever said to me, "Victor, thank you for your service". Those words, in 2013 were solemnly and sincerely uttered to me in Chapala, Mexico by Billy Kaderli, a man to whom I have deep and utmost respect. At that time, I felt somewhat taken aback by his sentiment. I had never really thought of myself as a "Veteran". No one in my family nor any of my friends had ever said those words to me before, and my memories of the National Guard and Army had long collected dust and was buried. Thank you Billy Akaisha for thanking me and recognizing my service. I cannot begin to tell you how much your words mean to me so many years later.

Victor Martell

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Our Latest Adventure

How Much Is Enough? This is a question we asked ourselves 30 years ago.
Billy and Akaisha Kaderli

When we first retired in 1991, the amount we required to live per year was determined to be $20,000 (in 1990 Dollars), and it needed to be generated from our financial holdings. But what amount of capital would do that for us? And how would we allocate that sum of money? Stocks? Bonds? CDs? Annuities?

La Altena - Tequila Distillery - Arandas, Jalisco, Mexico
Billy and Akaisha Kaderli

The reason we are traveling through the Golden Triangle of Tequila-making in the Mexican State of Jalisco is because the finest tequilas in the world are produced here. "Do you have an appointment? I can't let you pass without an appointment," the guard said.




Retire Early Lifestyle - Taking life with a grain of salt…and a shot of tequila!

Real Investment Report
Lance Roberts

Too Fast, Too Furious - “But it isn’t just the more extreme advance of the market over the past 5-weeks which has us a bit concerned in the short-term, but a series of other indications which typically suggest short- to intermediate-terms corrections in the market. Historically, when all of the indicators are suggesting the market has likely encompassed the majority of its price advance, a correction to reverse those conditions is often not far away. Regardless of the timing of that correction, it is unlikely there is much upside remaining in the current advance, and taking on additional equity exposure at these levels will likely yield a poor result.”

A Quiet Weekday on the Beach in Mexico - in November!

We're back in Chacala, Nayarit, Mexico this November morning. It's snowing up north and we have this lovely beach to ourselves. Hear the mesmerizing surf as Billy daydreams... then introduces you to his brand new friend! Take a look!

Quick Comparison: Chapala, Mexico to Panajachel, Guatemala

You know Chapala well (I have your guide to that). And you know Panajachel well. You live there. So which one is better. Which one do you like best?

An Amazing Harpist on the Plaza Principal, Arandas, Mexico

Arandas, Jalisco, Mexico - LIVE MUSIC by an excellent harpist. Definitely worth a listen here... Enjoy a Sunday on the Plaza Principal in Arandas.

Los Nietos Restaurant - Bar - Cafe - Arandas, Jalisco, Mexico
Billy and Akaisha Kaderli

On our trip up to the Mexican Highlands area to pursue the tasting of some of the best tequilas in the world, one of our stops was Arandas. Not far from our hotel was a small plaza where we listened to an amazing harpist, watched people walking by, and ate a few meals.

The 4% Withdrawal Corrected Update
Billy and Akaisha Kaderli

I thought it would be a good exercise to see how our portfolio would have held up and performed during the 28 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.

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Just Get Me to the Church on Time!  - A Wedding in Arandas, Jalisco, Mexico
Billy and Akaisha Kaderli

You can't taste tequila everyday, even when one is visiting through the Golden Triangle of Tequila-making. We are, in Arandas, Mexico, part of the glorious Mexican Highlands, having some dinner in an upstairs restaurant not far from the San Jose Obrero Church.


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  We are told not to cross the bridge until we come to it, but this world is owned by those who crossed bridges in their imaginations far ahead of the crowd. – Anonymous

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


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Hand Made Tortillas are a Staple in Guatemala on Lake Atitlan


Profile of Billy and Akaisha 38 year old retirees

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Retirement begins when you have enough money to enjoy the lifestyle you dream about.
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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


Financial - Independence - Retire - Early  = FIRE
Billy and Akaisha Kaderli

Here we are, well into our 29th year of financial independence, and according to the pundits it wasn’t suppose to be this way. We were supposed to run out of money, the 4% rule doesn’t work, and we would be bored. Yet, we’re still going strong. What do we know that they don’t?

Arandas, Jalisco, Mexico
Billy and Akaisha Kaderli

We have been traveling through the Golden Triangle of Tequila-making in the Mexican State of Jalisco. The finest tequilas in the world are produced here, and the countryside is filled with agave fields.

Our in-depth audio Interview with the Mad Fientist
Billy and Akaisha Kaderli

Before the Mad Fientist retired, he interviewed us. We were living the life of his dreams, and he wanted to find out more. Check out the interview here.

What are you guys doing for health insurance?
Q&A with a Reader -  I have been doing a lot of research regarding Worldwide Health Insurance and was curious what you guys were doing.

VIDEO - Tasting Three Tequilas at El Pandillo Distillery

Here we are at El Pandillo Distillery in The Golden Triangle of tequila production and we are tasting 3 separate blancos. Oscar, the chemist of the distillery is explaining the 3 blancos, all made exactly the same, but with different sources of water. Excellent distillery to visit.

Update - Why We Took Social Security at Age 62
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.




El Pandillo Tequila Distillery, Tasting Tequila

Oscar, the chemist at El Pandillo Tequila Distillery (the #1 maker of tequila in Mexico) shows us how to taste tequila. He has poured 3 glasses of blanco tequila from their distillery, each with a distinct flavor. The only difference is the water with which it is made. Incredible!

All About Tequila Barrels - The Whys and Wherefores
Billy and Akaisha Kaderli

The making of tequila is both an art and a science, a lot more complex than I had ever realized before. Billy and I had taken a trip to the town of Tequila some years back and it was our first experience of learning about Mexico's National Drink. First a few basic points, then I'll tell you why barrels are used in aging tequila and why they are so important to the taste of this unique drink.

How to Double Your Social Security Check - The time to start is Now!
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.

VIDEO - El Pandillo Tequila Distillery, Crushing Agave with Frankenstein

Tequila Distillery uses a modern day tahona called Frankenstein to crush the shredded agave. This releases the "aguamiel" or the honey water from the pina, in preparation for the fermentation process. Frankenstein is moved by a 1 horsepower motor!

#1 Rated- El Pandillo Tequila Distillery - Jesus Maria, Jalisco, Mexico
Billy and Akaisha Kaderli

We were serious. Many North Americans know tequila only by the College Students Spring Break activity of slamming shots down followed with a taste of salt and a bite of lime. But for those who know personally of tequila's finer pleasures, that exercise in getting drunk is discordant with the respect for Mexico's national drink. There is so much more to the story.

Referees Sports Bar
Billy and Akaisha Kaderli

Referees Sports Bar is a chain restaurant in Mexico. They do a great job with their food and service, and since we are in tequila country, their list of tequilas at the bar is stellar.


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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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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