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.

Retire Early Lifestyle

Hi Billy and Alaisha.....that was a wonderful Thanksgiving message and video along the malecon. I am grateful for having known you by email for several years now. We are still Floridians. Wife and I are getting along in years: she is a young 77, I am an old 79....lolol. It is a joy to read of your lifestyle adventures....Chapala is a scenic destination for certain. You have given expert (sound) advice to many who love sharing this adventure with you. You folks are real..that is why I enjoy your website. Please enjoy many more years of adventure in this wonderful world God has blessed us with. We love sharing it with you...we love you both very much. - Thanksgiving blessings, Cal Cobb

Our Latest Adventure

waiting to board the lancha, Chacala, Nayarit, Mexico Boating from Chacala Beach to Sayulita, Nayarit, Mexico
Billy and Akaisha Kaderli

Those who follow our travels know that we love Chacala Beach. Over the years, we have been there dozens of times. For a long time, Billy has wanted to take a lancha to another location just for the experience of it.


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Jackie Lange expert has your answers regarding Panama

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Santa Claus Rally, Santa Claus Rally Is Coming, But Will Markets Correct First?

Real Investment Report
Lance Roberts

“Black Friday” As Market Plunges - Last week, we discussed the weakness of the underlying market as “FOMO” had returned to the market. “The only concern we have is the lack of breadth as of late. As shown, the number of stocks above the 50-dma turned sharply lower this week. Furthermore, they are well below levels when markets typically make new highs. The same goes for the number of stocks trading above their 200-dma’s.”  

Severed head of Buddha, Ayutthaya, Thailand Ayutthaya Ruins Thailand
Billy and Akaisha Kaderli

Ayutthaya is an island city in the center of Thailand founded in 1350. This city flourished for more than 400 years, and at its peak, supported hundreds of thousands of residents.



Cruising the Mekong, from Laos to Thailand Double Trouble... Interview with Margo and Carole
Billy and Akaisha Kaderli

There is no one way to live a life, or for that matter, one way to live a dream retirement. Carole and Margo have an interesting story and when finding themselves single in mid-life, decided to join forces and resources to create a unique retirement style.

Boating from Chacala Beach to Sayulita – Mexico’s International Surfing Destination

Four of us hired a lancha to take us from Chacala Beach to Sayulita, Nayarit, Mexico. Lanchas are small but seaworthy boats and our trip took 1.5 hours on calm seas. Landing on the beach was another matter. Sayulita is well-known internationally as a surfing destination. Take a look!

View from our hotel in Puerto Vallarta, Mexico The Best Investment Move We Ever Made
Billy and Akaisha Kaderli

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?


Retired Money: Is the dream of Retiring Abroad still alive in the Covid era?
Jonathan Chevreau

As I note in the piece, places like Mexico, the Far East or parts of Europe have such a relatively low cost of living that average Canadians might be able to retire early just on the strength of CPP and OAS. Add in any employer pensions and registered or unregistered savings and that would be gravy.

Fishermen tribute Chapala, Mexico
Billy and Akaisha Kaderli

The north shore of Lake Chapala, Mexico is one of the premier retirement destinations for North Americans. Gone Fishin’ off the Wharf in Puerto Vallarta, Mexico

Billy is out on the Wharf in Puerto Vallarta where early morning fishermen are trying their luck to catch some fish. The Sail on the Wharf is a major landmark now and very photogenic. Get a look at the beach from out in the water.


Billy Kaderli in Manny's Restaurant on The Dominican Republic

The Biggest Risks Of The 4 Percent Retirement Rule
Andrew Hallam

Billy Kaderli separated a delicious–looking piece of cheesecake with his fork. That’s when he turned to me and smiled. “A financial reporter recently interviewed me,” he said. “I explained that we live off the proceeds of our investment portfolio. She was surprised when I told her we have more money now than we did when we first retired.”

Sunrise over Lake Chapala, Mexico Happy Thanksgiving Everyone
Billy and Akaisha Kaderli

Thanksgiving is this week. It’s a day of not only giving thanks for all that we have received (despite any of our personal challenges), but also of remembering the many friendships we have been blessed with.

Puerto Vallarta after the Pandemic

Billy walks the beach in Old Vallarta on Olas Altas and Playa do Los Muertos. You see the beautiful Sail on Vallarta's Wharf and many beachside restaurants where international tourists come to eat.

Rooftop view of Zacatecas from our hostel, Zacatecas, Mexico Mexican High Sierra
Billy and Akaisha Kaderli

Famous and exciting colonial towns are to the north of Guadalajara so we took ten days to visit them. Our trip through the High Sierra in Central Mexico brought us through 4 Mexican States: Jalisco, Zacatecas, Aguas Caliente and Guanajuato.

distinctive wines from Vino Zona, Jerome, AZ Wine Tasting in Historic Mining Town, - Jerome, Arizona
Billy and Akaisha Kaderli

This year, we all decided to go to the historical mining town of Jerome, Arizona and see what we could find.

The View from Our Hotel in Puerto Vallarta, Mexico

Billy shows you the ocean view from our Puerto Vallarta Hotel. We like to stay in the Romantic Zone in Old Vallarta. Lots of good restaurants, and music concerts are often held at night in the Plaza below our room.

Seductive Sedona - Sedona, Arizona, USA
Billy and Akaisha Kaderli

Located in the stunning southwest of the United States, Sedona, Arizona has captured the hearts and fantasies of people for centuries.

This jungle stroll isn't so bad, and besides, we are headed to a resort! The Mayan Resort - Tulum, Yucatan, Mexico
Billy and Akaisha Kaderli

A two hour drive from the tourist resort of Cancun, Mexico, and an hour from Playa del Carmen, the Maya ruins at Tulum are the most known, most advertised and most popular Maya site in the Yucatan.

International Surfing Beach, - Sayulita, Nayarit, Mexico

Sayulita, Nayarit, Mexico is an international surf haven. Surfers come to this tourist town to catch the waves, meet other surfers and chill. Check them out on the waves and do some people-watching in town.

Billy and buddies in Ajijic, Mexico Don't Retire Early! - Is Suze Orman Right?
Billy and Akaisha Kaderli

After coming out as absolutely hating the FIRE movement (“I hate it. I hate it. I hate it. I hate it.”) she also states unequivocally that she personally believes retiring early is the biggest mistake, financially speaking, you will ever, ever make in your lifetime.”



What I have done, for better or worse, is chosen freedom as my highest personal value and learned to construct a life around that choice. -- Chris Guillebeau


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


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Billy wears a Panama hat in Ecuador

The Effect of Compounding  - Creating a Money Machine
Billy and Akaisha Kaderli

Many times we are asked about how we can afford to travel for so long and then there’s the predictable wistful response: “I wish I could do what you’re doing.” That’s when I tell them they can.

Pounding Surf and Board Surfer at Chacala Beach

Board paddling develops strength and balance. Would love to do that. GREAT waves at Chacala beach, a family - friendly place. We hire a boat captain to take us 50 miles south to Sayulita, Nayarit, Mexico.



Pristine white sand and palm tree shadows Puerto Escondido Revisited - Oaxaca, Mexico
Billy and Akaisha Kaderli

While enjoying our time in the Colonial city of Oaxaca, Mexico, we decided to skip over to the beach for a few days.

Belkin, a Belizean beer with an ocean view. Corozal, Belize Corozal, Belize
Billy and Akaisha Kaderli

The last time we came to Belize we left by boat from Livingston, Guatemala and entered Belize from the southern city of Punta Gorda. On this trip we enter by land. Leaving Xcalak, Mexico in the morning, we travel through Chetumal, cross the border and reach our first stop at Corozal.

Beach Life at Chacala Beach, Nayarit, Mexico

Sitting at Chac Mool Restaurant, Billy talks about a boat trip he has arranged with a lancha to take us 50 miles south, to a town called Sayulita. We leave in a few days. High tide, and waves are coming in all the way up to the restaurant chairs and tables!

Success Story - Retire When You Want
Robert Brokamp

In January 1991, Billy and Akaisha Kaderli retired from the brokerage and restaurant businesses at the age of 38 and moved to Nevis, a 36-square-mile dot in the West Indies. They began their nomadic lives, traveling to whatever country they wanted to see. Here they share how they were able to retire early — and how you can, too.

A plate of amazing tapas in Oaxaca, Mexico 12 Tips on How to Make the Most of Feasting Internationally (and stay on a budget)
Billy and Akaisha Kaderli

For those of us who enjoy international cuisine, eating local specialties while traveling is the best of two worlds. Meals don’t always have to be in fine dining establishments where pricing can be astronomical, you can relish terrific flavors from a food cart, on a picnic, or from the local supermarket.

Bronze statues of a traditional Mexican dance Puerto Vallarta, Mexico - The Malecon
Billy and Akaisha Kaderli

We recently returned to Puerto Vallarta beach in Mexico on a quick getaway trip. It was so fun to be back at this popular tourist destination.

Chacala Beach - Time Change Blues

Every time we visit Chacala Beach in Nayarit, Mexico, the time is different from our adopted home state of Jalisco, Mexico. A few miles away where we catch the bus to go to Puerto Vallarta or back to our home state, it's a different time and we constantly get that confused. It's like living in a time warp!

Retire Early Lifestyle hat on the beach There are Two Paths to FIRE - Financially Independent - Retire - Early
Billy and Akaisha Kaderli

As the years have gone by, we have received many questions about FIRE. We’ve spoken to those who wish to retire early, and to those who have already done so. What has emerged as a theme, is that there are two paths to FIRE:

Banda Music at Sunset in Nayarit, Mexico – LIVE MUSIC

Watching a peace-filled sunset with traditional banda music in the background. Banda comes from the German Polka that was brought here to Mexico years ago, and it has been integrated into the Mexican culture.

Simplifying Investing for Financial Independence
Billy and Akaisha Kaderli

Now that 2020 is in the books, I thought I would look back financially to where we started this adventure, from January of 1991. The chart below shows the ascent of the S&P 500 Index over our 30 years of retirement.

Our trip route with El Chepe Train beginning in Chihuahua, Mexico El Chepe Train Homepage
Billy and Akaisha Kaderli

Some say this is the most scenic railroad trip on the continent. The tracks pass over 37 bridges and through 86 tunnels, rising as high as 7,900 ft above sea level near Divisadero, the continental divide.

Chacala Beach in November

We are back at the beach in November, and it's perfect weather. This time, we brought an old friend who is new to this place, and he LOVES it. The boys are body surfing and living in paradise. Me? I got knocked over by a BIG wave and lost my sunglasses! Boo! But I saved my hat!


We Do Not Know the Future
Billy and Akaisha Kaderli

The Future. Depending on where one stands, the idea of "The Future" can be invigorating or terrifying. The thing is, The Future is going to come anyway, and regardless of our best efforts, we can never guarantee the outcome.



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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