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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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Bulls Buy Dip 07-23-21, Bulls “Buy The Dip” But Is The Risk Really Over? 07-23-21

Real Investment Report
Lance Roberts

Bulls Buy The Dip -  Analysts have set a very high bar for the markets to hurdle, given already lofty valuations. With indices already well-stretched above their historical means, there is much room for disappointment. With the currently very overbought short-term market, a 3% to 10% correction this summer remains likely.


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Jackie Lange expert has your answers regarding Panama

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Can my investments survive a crisis if I retire early? - It did for these FIRE pioneers living in Mexico

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.

Along the Oregon Coast in July, 2020 Dale Knight Travel Update
Billy and Akaisha Kaderli

The COVID restrictions have been very difficult for those of us world travelers in the Early Retirement Community. We have had friends stuck for months in Europe, The Philippines, and Peru, among other countries. We who travel as a lifestyle have found our footloose approach to life... encumbered, to say the least! Here we have a travel update from one of our World Traveling Buddies, Dale Knight.

The location of Cartagena, Colombia on a map 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.

Restaurant La Porfiriana, Puebla, Mexico

Lessons We Learned in 2020
Billy and Akaisha Kaderli

What a year! We have heard from friends and family how happy they will be to see the year 2020 in their rearview mirror. Can’t argue with that. Yet, in my opinion, 2020 brought us great lessons, from which we can benefit. Solid plans often break

Billy and Akaisha in front of ancient wall in Antigua, Guatemala

How to Double Your Social Security Check
Billy and Akaisha Kaderli

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.

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.



Akaisha and Billy at Monte Alban in Oaxaca, Mexico Five Tools for Retirement Planning
Billy and Akaisha Kaderli

People don’t always agree, and I realize that we have placed ourselves purposefully in the public eye. This position requires that we take the slings and arrows along with the kudos. What is risky?

Table of Contents - The Adventurer's Guide to Early Retirement, 4th Edition - Your Simple Plan to FIRE
Break Your Routine without Breaking the Bank
Billy and Akaisha Kaderli

Need a new perspective? With all the turmoil on social media and the talking heads telling us the next thing we need to worry about, at times it's good to get some new mental scenery. Take a trip!

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

Chich'en Itza was a major economic power in the Northern Maya lowlands during the peak of its civilization. This peninsular settlement capitalized on the water-bourne trade route to obtain exotic items from far away locations such as central Mexico and southern Central America.


Summit of Mount Crested Butte, Crested Butte, Colorado

Interview with Tony Beck - Inspirational and Pragmatic
Billy and Akaisha Kaderli

We at Retire Early Lifestyle like to share with you the stories of Captivating Characters. Below you will find a very down-to-earth success story of a journey to financial independence and personal satisfaction. Enjoy our interview with Tony Beck!

1,000 square feet, brand new, waiting for your personal touch Worry-Free Housing
Billy & Akaisha Kaderli

We have the best of both worlds. Billy and I often leave the US for months at a time to visit exotic locations. We set up a home base on the other side of the globe and settle into the local community. Then, due to visa restrictions or a desire to see family and friends once again, we return home to America’s stunning Southwest.

  THE GOOD LIFE - Second Acts What do you do for an encore? Here are portraits of people who are taking new paths—and changing their lives.
Kristi Essick
Having a fabulous time in Mexico City, Mexico   5 Steps to Early Retirement
Billy and Akaisha Kaderli

Committing to your retirement doesn't have to be complicated or difficult. Now is the perfect time to get started on your roadmap for retirement success. We're living proof...

Billy and Akaisha relaxing in Puerto Escondido, Mexico How Much Is Enough?
Billy and Akaisha Kaderli

Once we got that fantasy out of the way, we asked ourselves: How much money is enough to retire? What size of nest egg do we need?

Painted map of the Livingston area, Guatemala to Belize Punta Gorda, Belize
Billy and Akaisha Kaderli

This map shows the route we took from Livingstson, Guatemala to Punta Gorda, Belize. Livingston is water-locked. The only way in or out is by water taxi, and transport to Belize takes about an hour.

Billy Akaisha Update - Why We Took Social Security at Age 62
Billy and Akaisha Kaderli

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.



You do not need to know precisely what is happening, or exactly where it is all going. What you need is to recognize the possibilities and challenges offered by the present moment, and to embrace them with courage, faith, and hope. ~ Thomas Merton


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

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


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Boat service schedule in Livingston 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.

Rainy Season, Chacala Beach, Nayarit, Mexico

After a "hard" week in Chapala, Mexico, Billy grabs some down-time at his favorite beach during the rainy season.

The Jillian Johnsrud Family at Glacier National Park Interview with Jillian Johnsrud
Billy and Akaisha Kaderli

Billy and I were intrigued by this FIRE story for two reasons. One, Jillian and her husband, Adam decided early on to focus on the goal of financial independence together, and two, they are doing this while raising their five children.


Decades of a global lifestyle

Was it Worth it? - Retiring 30 Years Ago at Age 38 - Was It Worth It?
Billy and Akaisha Kaderli

During one of our private two-hour lunches, Akaisha brought up the topic: “Was retiring early at the age of 38 worth it?” Wow! What a question.

Three on a motorbike taxi in the Dominican Republic We Want Millennials to Be Financially Independent! And They Can!
Billy and Akaisha Kaderli

It seems the Financially Independent, Retire Early (FIRE) movement is gaining momentum. We think this is great!



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.

In front of a mural of The Old Train Station, Chapala, Mexico Retirees without Borders
Billy and Akaisha Kaderli

Now into our 31st year of financial independence, we have traveled and lived in numerous countries. We consider ourselves to be Global Ambassadors. Since retiring in 1991 and first living in Nevis, West Indies for six months, we sailed south ...

Jackie will take you to a dozen towns around Panama, visiting grocery stores, hospitals, pharmacies, furniture stores, and rental properties. She'll answer all your questions on how to get a visa, a driver's license, how to bring in household goods and your pets. She'll explain how to buy a car, how to find rentals and she'll introduce you to Expats already living in the area.  
Copper stills at La Altena Distillery, Arandas, Jalisco, Mexico 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.

Billy and Akaisha Kaderli in Puebla, Mexico Simple Approach, Long-Term Results
Billy and Akaisha Kaderli

Since 1991 when we retired, our portfolio mantra has been "embrace the future, stay invested, and keep it simple."

Akaisha trying to balance a bundle on her head, Panajachel, Guatemala The Rocks in My Basket
Akaisha Kaderli

A few months ago, I was enjoying a cappuccino with a girlfriend at a local cafe and catching up on each other’s lives. “What have you been up to lately, Jo?” I asked eagerly. “Rearranging the rocks in my basket” she said matter-of-factly.

We’re Still Here! An Evolutionary Tale
Billy and Akaisha Kaderli

We did not have our retirement life scripted to purchase a house in a community, buy the last car we’d ever possess, and settle down. We let our retirement lifestyle unfold, blossom and develop into what it is now. Our style of over 30 years of financial independence was never planned. It evolved on its own.

Billy at our balcony table, La Trattoria Restaurant, Guanajuato, Mexico La Trattoria Restaurant - Guanajuato, Mexico
Billy and Akaisha Kaderli

Guanajuato, Mexico is an international Colonial city which offers many attractions to tourists including museums, a music scene, theater and outstanding cuisine.

Remarkable Tuna Ceviche, 2x1 at Juan Caramelo Cost of Living in Antigua, Guatemala
Billy and Akaisha Kaderli

Antigua is an exciting, eclectic, international Colonial city in Guatemala and it overflows with charm, appealing restaurants, and cafes. One can choose to live in town or in one of the outside villages, but the pull to enter "the city" is a pleasant one.

Billy and Akaisha in Antigua, Guatemala Our 30th Year of Retirement by Age 68
Billy and Akaisha Kaderli

We are in our 60s and have decades of living a financially independent lifestyle. That is quite a feat! From the beaches on Nevis, West Indies, to the shores of Phuket, Thailand we have traveled extensively through these years, and what a ride it’s been! Young and strong in those early days, we were willing and ...



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.

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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