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.

In other words, because we under spend, we have the flexibility to do pretty much whatever we want to do... that has value to us.

Our Latest Adventure

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Life Lessons I've Learned through Making Art
Billy and Akaisha Kaderli

Ever since Billy and I retired in 1991, I have had more time to practice my art. This is a dream come true for me. Many times, it has occurred to me that the challenges I face in expressing myself artistically are really Lessons of Life. It’s that old question “Is art imitating life or vice versa?”


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Retail Investors, Retail Investors Panic As Market Plunges

Real Investment Report
Lance Roberts

Retail Investors Panic As Market Plunges - Notably, despite the market’s failure to hold previous gains, it successfully retested and held the lower trend line. However, sell signals remain in place and have not yet reached more oversold levels. The concern remains the Fed’s more aggressive stance to battling the inflation surge, which hit 7% annualized this past month.

White wine, view of the beach, Terraza Zicatela, Puerto Escondido, Mexico Terraza Zicatela Playa Zicatela, Puerto Escondido, Mexico
Billy and Akaisha Kaderli

The food selections at restaurants on Zicatela Beach are more unique and creative than those on the larger, family-style beach of Playa Principal.

Girl on her surfboard, Playa Manzanillo, Puerto Escondido, Mexico Playa Manzanillo - Puerto Escondido, Mexico
Billy and Akaisha Kaderli

There are several including Zicatela, an international surfing destination, Playa Principal a family oriented swimming beach, Puerto Angelito and this sweet little beach, Playa Manzanillo.

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.

Beautiful view of the sea from Chula Restaurant, Zicatela, Puerto Escondido, Mexico Chula Restaurant - Playa Zicatela - Puerto Escondido, Mexico
Billy and Akaisha Kaderli

Being foodies, one of the pleasures of travel for us is to try out different restaurants. We are always looking for something unusual, with a different presentation or sauce.

Jim and Kathy in Mexico A Canadian Perspective on Health Care Overseas

Q and A with Jim McLeod and Retire Early Lifestyle

The 4% Withdrawal - Does it Work?
Billy and Akaisha Kaderli

I thought it would be a good practice exercise to see how our portfolio would have held up and performed during the 31 years of retirement that we have enjoyed.

Salmon with orange sauce, restaurant Letra CH, Chapala, Mexico How Chapala, Mexico Has Changed - Over the Years
Billy and Akaisha Kaderli

Billy and I first visited Chapala, Mexico in October of 1993. We came for two months and stayed four years.

Map of the cow where meats come from, Argentino's Grill, Puerto Escondido, Mexico Argentinos Steak House and Lobster Grill - Puerto Escondido, Mexico
Billy and Akaisha Kaderli

When Billy found this Argentine Steak House and Lobster Grill a few blocks from his hotel in Puerto Escondido, he made plans to go there for a special lunch.



Randy and Lori enjoying a side trip to Santorini, Greece between house sits Make the Most of House Sitting - Interview with Lori and Randy Grant, Professional House Sitters
Billy and Akaisha Kaderli

Many people would like to know more about house sitting -- the ins and outs, what to expect, how to get started, and if it's really feasible to do house sitting as a lifestyle.

Almost three decades of retirement and we still have a great time on a boat ride across Lake Atitlan, Guatemala Billy and Akaisha's Three Lessons on Retirement
Billy and Akaisha Kaderli

Retirement is a great achievement, but it's not static. It's not like once you arrive you can forget about it and put it on auto-pilot. It's an interactive manner of living that continues to respond to our input, the new skills we learn and how our goals modify.

Chapala lake, a major draw Chapala, Mexico
Billy and Akaisha Kaderli

The north shore of Lake Chapala, Mexico is one of the premier retirement destinations for North Americans.

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. In regards to financial sustainability, there are 3 legs to the stool.

Puerto Escondido, Playa Zicatela, Mexico

Billy shows you the view of Playa Zicatela from El Terraza Restaurant. Playa Zicatela is an internationally known surfer beach where competitions are held each November. Billy says the restaurants in Zicatela have a better, more unique food selection than those further down the beach at Playa Principal.

Part of the beautiful coastal path, Puerto Escondido, Mexico The Coastal Path - Puerto Escondido, Mexico
Billy and Akaisha Kaderli

The main attractions of Puerto Escondido are its beaches, which have become internationally known. The area also is attractive to scuba divers because of the variety of fish, large oysters, lobsters and manta rays. There is a Coastal Path one is able to walk along the Pacific Coast giving excellent views.

Playa Manzanillo, Puerto Escondido, Mexico

Billy shows you a very sweet beach at the end of the Coastal Path called Playa Manzanillo. It's next to Puerto Angelito, and the waters are calm and crystal clear. A quiet beach worth a visit. Check it out here.


Financial Independence, Retire, Early
Billy and Akaisha Kaderli

Here we are, well into our 32nd. 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.

View of the pool from common area, Hotel Las Olas, Zicatela Beach, Mexico Hotel Las Olas - Puerto Escondido, Mexico

We have visited Zicatela Beach in Puerto Escondido many times. However, it had been a while and it was time to go again.



In order to learn anything, we must expand our awareness beyond that which we think we know. – Richard Bartlett


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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Sea View from the Restaurant, Puerto Escondido, Mexico

Billy shows you the excellent view from his seat at a seaside restaurant. A sailboat peacefully sails by as you mentally drift away, wishing you, too, could be here on Zicatela Beach. Take a look!

Boracay Island, Philippines

Interview with Brian Watkins
Billy and Akaisha Kaderli

We at RetireEarlyLifestyle love to bring you retirement stories of people we have met. There's no one right way to get to Financial Independence, and we are happy to bring Brian's adventure to financial freedom to you.

Billy and Akaisha at Chacala Beach, Mexico 2021 Annual Spending Update - 31 Years and Counting
Billy and Akaisha Kaderli

We like to keep up-to-date with our Readers as to what our current spending is, and as of the end of 2021 we spent ...

Sculpture on Playa Principal, Puerto Escondido, Mexico

Ten Days in Puerto Escondido Puerto Escondido 2021
Billy and Akaisha Kaderli

 Puerto Escondido, in the Mexican state of Oaxaca, is an enticing location for beach goers. There's an International Surfer attraction at Zicatela Beach, lots of hotels, and restaurants with a wide variety of cuisines from which to choose.

Licking Our Wounds in Puerto Escondido, Mexico

The continuing of the Pacific Coast walking path had to be discontinued due to the bridge being washed out! You can view that path on the video links included below. Billy tells you the story.

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. Now into our 32nd year of financial independence we see no need to lower our spending. In fact, we are trying to increase it.


The Plane of Jars  - Phonsavan, Laos
Billy and Akaisha Kaderli

We arrived in Phonsavan via Lao Airlines. Although the cool breeze was a welcome change from hot, dusty Vientiane, the approaching storm felt ominous. Our first stop was inside to the officials where we waited for our papers to be stamped, and for our luggage to arrive from the plane.

The Coastal Path in Puerto Escondido, Oaxaca, Mexico

Billy shows you the coastal hiking path in Puerto Escondido, Mexico. It's a beautiful hike, one we did some years back. Today there is rumor that the bridge is out so the full path is not available.




Billy and Akaisha in their RetireEarlyLifestyle face masks

What We Did on Our Spring Break
Billy and Akaisha Kaderli

The Old Days of Unfettered Travel Returning from our fabulous trip to Cartagena, Colombia, I flew to Panajachel, Guatemala, in early March. After enjoying a couple of days at Lake Atitlan, the world began changing rapidly due to the COVID-19 virus, and travel plans needed to be adjusted hourly.


A shy smile and a bit of curiosity

Faces of Guatemala
Billy and Akaisha Kaderli

For me, it's always been about the people. Traveling allows us to meet those who live in exotic locations, who have differing customs than the ones with which I am familiar, and who hold a perspective that may enrich my own. Much about a person can be seen - or at least imagined - by peering into their faces.

Morning at San Pedro dock Billy's San Pedro La Laguna Adventure - Lake Atitlan, Guatemala
Billy and Akaisha Kaderli

When I first discovered Lake Atitlan in the early 70's San Pedro at night was just a few flickering lights across the lake. Today, it is still quiet, but growing. Tz'utujil Maya make up 90% of the inhabitants, with a small expat community.

A Q&A on FIRE and Geo-Arbitrage between &

Almost since the Hub’s inception in 2014, the principals behind the popular have provided in-depth coverage of global travel and the tips to achieve early Financial Independence they used themselves to “retire” in their early 30s.

Coconut Shrimp on Puerto Escondido Beach, Mexico

Billy shows you an active beach, Puerto Principal, in Puerto Escondido, Mexico. He orders a meal of coconut shrimp, and while waiting, you get to see beach vendors selling tropical fruit plates.

Playa Principal in Puerto Escondido, Mexico

Billy shows you the main swimming beach in Puerto Escondido, named Playa Principal. It's much safer than Zicatela beach, which is an international surfing location. See the stately rock formations on the shore.

Nestor with the roasted pig San Pedro, Lake Atitlan Christmas Day Pig Roast
Billy and Akaisha Kaderli

Living in one of the most gorgeous places on earth, Lake Atitlan, Guatemala, is a real discovery.

bacon and home made patty sausage Christmas Day Bash
Billy and Akaisha Kaderli

As you might already know, Billy is a trained French Chef and we owned a restaurant for a decade in Santa Cruz, California. Billy and I love to cook and entertain in our home, and we still do it from time to time. This Christmas was one of those times.



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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