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.

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Where Happy Hour counts as overtime!

Our Latest Adventure

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. Some people do not believe we can have such a fulfilling lifestyle on this small annual amount, so in this article, we thought to explain how we do it.


Your Retire Lifestyle Mentors Ask us anything to help you

Jackie Lange expert has your answers regarding Panama

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Plaza Municipal, Torreon, Cuahuila, Mexico Torreon, Cuahuila Homepage
Billy and Akaisha Kaderli
Stocks Earnings Risk 10-22-21, Stocks Surge As Earnings Roll-In, But Is Risk Gone? 10-22-21

Real Investment Report
Lance Roberts

Market Surges Toward Previous Highs - While the market started the week a bit sloppily, the bulls charged back on Thursday as earnings season officially got underway. With the market crossing above significant resistance at the 50-dma and turning both seasonal “buy signals” confirmed, it appears a push for previous highs is possible.

Baby goats on the grill, Steak Palenque, Torreon, Cuahuila, Mexico Restaurant Steak Palenque -Torreon, Cuahuila, Mexico
Billy and Akaisha Kaderli

It was my birthday while we were visiting Torreon, Cuahuila, Mexico. So for this special day, Billy picked out a very locally-famous steak house called Restaurant Steak Palenque.



Why we took Social Security at age 62
Billy and Akaisha Kaderli - Special to the Financial Independence Hub

We decided to take Social Security at age 62. Why?

Day 28: Mellid, Spain. Kathy and Jim on the El Camino Trail Hiking the El Camino Trail  - Kathy and Jim McLeod Share their Experience!
Billy and Akaisha Kaderli
Inside Canal de la Perla, Torreon, Cuahuila, Mexico Canal de la Perla - The Canals in Torreon, Cuahuila, Mexico
Billy and Akaisha Kaderli

Who would have known? If it hadn't been for a truck losing control and falling into a ditch in the pavement covering thereby breaking a vault in 2003, these canals would not have been re-discovered.

Cheesecake dessert, La Majada, Torreon, Cuahuila, Mexico La Majada Restaurant - Torreon, Cuahuila, Mexico
Billy and Akaisha Kaderli

Billy loves a good steak and wherever we go, he searches for various grills and restaurants in that location.

Kathy and Jim, Happy Thanksgiving, San Antonio Tlayacapan, Mexico 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.

Billy and Akaisha enjoying their freedom in Thailand, sitting at a table with rice paddy in the background Transitioning to Retirement - A Remarkable Story
Billy and Akaisha Kaderli

Our first days into retirement absolutely did NOT go smoothly. But now it's a remarkable story we tell to others along that same path.

San Juan de Lima, Mexico
Billy and Akaisha Kaderli

Billy negotiated with the owners of Bella Vista to get us a second floor room with a view and air conditioning for only 250 Pesos a night!

Cristo de las Noas, Torreon, Cuahuila, Mexico Cristo de las Noas - Torreon, Cuahuila, Mexico
Billy and Akaisha Kaderli

One of the main reasons to visit Torreon is to see the Cristo de las Noas. This is the biggest Christ statue in North America and third biggest in Latin America.

A fresh, cold naranjada on Chacala beach, Mexico Chacala Town Beach
Billy and Akaisha Kaderli

Sure, there are more modern beaches with glitz and glitter, international cuisine, karaoke, jet skis on the water and never-ending nightlife, but the simple beauty of Chacala tugs at the heart.

Hotel Zafra, Torreon, Cuahuila, Mexico Hotel Zafra Torreon - Cuahuila, Mexico
Billy and Akaisha Kaderli

We have traveled a lot through Mexico, but we had never been to Torreon in the state of Cuahuila.

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.

Sculpture at Municpal Plaza, Torreon, Cuahuila, Mexico Streets of Torreon Cuahuila, Mexico
Billy and Akaisha Kaderli

We have traveled a lot through Mexico, but we had never been to Torreon in the state of Cuahuila. Billy purchased round-trip tickets on Volaris Airline for $180 USD each, so the one hour flight was affordable.

Here I am, windblown by tropical breezes and thoroughly bounced by the bus! 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.


Expat Expert Bill Clevenger

Expat - Expert - Bill Clevenger
Billy and Akaisha Kaderli

Everyone has particular skills that they bring to their retirement lifestyle. Bill Clevenger has a down-to-earth practicality and robust sense of humor that is contagious. Well traveled, Bill has been living an Expat life since 2002.


Kelty backpack with Panama hat on top

Essential Guidelines for Travelers
Billy and Akaisha Kaderli

Keeping your essential personal and finance information safe while on the road should be at the top of your list. Losing your passport or credit card while traveling means you are in for some serious inconvenience.



We can guarantee cash benefits as far out and at whatever size you like, but we cannot guarantee their purchasing power. — Alan Greenspan


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

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

More REL Blog Posts
 Chapala Living Guide is based on our first hand eperience of living in Chapala, Mexico

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This book could change your life...for the better, financially and health


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Volcan Agua Let Antigua into Your Heart - Antigua, Guatemala
Billy and Akaisha Kaderli

I heard from a native here, that the best way to see Antigua is to wander. "Take your time and go through the small streets. People are friendly. Say hello. Let Antigua into your heart."

3 on a motor taxi! Billy, Akaisha and Driver, Dominican Republic Health Concerns while Traveling
Billy and Akaisha Kaderli

Traveling brings about lots of challenges in daily living, and flexibility is the key to going with the flow. My last physical was in Chiang Mai, Thailand where, as they say, “everything OK.” But it had been two years ago, so I was feeling the need for having blood work done.



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

Here we are, well into our 31st. 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?

There are several choices in rooms, and ones with three beds Suenos Del Rio Hostal - Boquete, Panama
Billy and Akaisha Kaderli

As we walk down the hall, a perky lady meets us halfway. I'm speaking Spanish and Itza, the owner is easy going and engaging. We discuss the rooms, whether or not there is WiFi, hot water, what about the beds, are they firm? and all of our questions are answered to our liking.


Billy receiving his certificate of recognition from the City of Chapala

We're Still Here!
Billy and Akaisha Kaderli

We’re still writing stories - An' we’re still telling tales We’re still learning languages - We've set our own sails We’re still investing in stocks and we’re makin’ a little money - Cause in Thailand I was told, no money no honey We’re still sipping beers and we’re picking up some years - And we send you all good health and want to say We’re still here!

Havin' More Fun than Anyone!!! in Thailand!!!  
Is It Work or Is It Passion?
Billy and Akaisha Kaderli

While taking a break from the sun and surf, relaxing in my hotel room in a tiny beach town on Mexico’s rugged Pacific Coast, my cell phone rang. ‘Howdy, Beautiful!’ my friend of four decades shouted from snow country, thousands of miles away. "Been watchin’ your website for years and I read all your stories. Love ‘em. But I thought you were retired!"

A Walk through a Local Torreon, Mexico Park

Billy takes you through a local park in Torreon, Cuahuila, Mexico. The Mexican state of Cuahuila borders the US state of Texas and the Mexican state of Durango. This city is quite a mixture of future and past, America and Mexico, modern and traditional. Check it out.

Billy and Akaisha in a tropical restaurant How to Create Financial Sustainability for Yourself
Billy and Akaisha Kaderli

These days, no matter what the topic, the talk is all about sustainability.

They Said It Couldn't Be Done - RetireEarlyLifestyle Music Video  
Billy and Akaisha Kaderli Chacala beach Mexico Traveling for the First Time with Your New Lover
Billy and Akaisha Kaderli

Traveling is different than a two-week vacation in a beach resort. Visiting unique countries and landscapes with many unknown factors can be challenging - even in the best of times.


Cristiania Park in Chapala, Mexico, offers six of the finest maintained tennis courts in the lakeside area. Two sandpit volleyball courts are available daily. The fully stocked pro shop is open daily, and players of all levels are welcome and can easily find a match.


Riding the Tram in Torreon, Mexico to See 3rd Largest Statue of Christ in Latin America

We take a ride in the tram in Torreon, Cuahuila, Mexico. Through town, up the hill, above the treetops to see the 3rd largest statue of Christ in Latin America! Enjoy the ride! Hear Gregorian chanting at the end. Peaceful.

Akaisha and Billy in Cafe Viejo, Antigua, Guatemala Want to Retire Early? Here's How
Billy and Akaisha Kaderli

If filling blocks of free time as you choose sounds exciting, if pulling out maps of the world stirs wanderlust, or if pursuing a hobby brings a smile to your face, take heart. You can retire early to spend your time as you want. We did!

Cannons from inside the walled city are now used as historical adornment to the walking path Campeche, Yucatan, Mexico
Billy and Akaisha Kaderli

Conquered in 1540 by the Spanish, Campeche quickly became a flourishing port. The Spanish discovered a dye in logwood, which grew in the forests near Campeche. This dye was considered a rare commodity and was highly prized in Europe and brought high prices on the European market.



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.

Check cbd shop Online

The Highlands Guide is all about Zacatetas, Guanajuato and Jerez


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.

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

RetireEarlyLifestyle YouTube Channel

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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