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.

Our Latest Adventure

I have just finished reading your book, and it is fantastic! Thanks so much for taking the time to write it and share your experiences and knowledge. I now have the most important and interesting book that I've ever owned (next to The Millionaire Next Door). I have a five year plan to retire to Thailand, and I can hardly wait to go. You and Billy have helped me realize that I DO have enough money NOW to live my dream, and after making some changes, I can continue to enjoy my life! I haven't had the time yet to check out the links listed in the after-word, but I have never enjoyed reading a book so much!!! Thanks again and thanks for sharing your life with all of us! - Sherry Johnson

Here you see the skilled laborer working the cap of the cigar

Cigar Making in the Dominican Republic Santo Domingo, the capitol city.
Billy and Akaisha Kaderli

Taking our time exploring Santo Domingo, the capitol city of the Dominican Republic, we discovered this Fabrica De Tabacos. We decided to go in for a look.


Your Retire Lifestyle Mentors Ask us anything to help you

Jackie Lange expert has your answers regarding Panama

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The front of this home is all windows

How to Create a Comfortable Semi-Retired Lifestyle with Latin American Rentals
Peter LaFerrara

Latin American rental properties can be a great investment for someone who is looking to build a comfortable, low-stress, semi-retired lifestyle on a budget.

Maria Bonita Terrace Bar, Oaxaca City, Mexico Poleo Holistic Kitchen and Maria Bonita Terrace Bar - Oaxaca, Mexico
Billy and Akaisha Kaderli

Oaxaca City, Mexico holds lots of delights and surprises. We especially enjoy the Centro where there are walking streets, activities, markets, live music and a variety of restaurants to go and have a meal. About a block from our hotel room was this lovely sandwich shop with a separate restaurant on the roof.

Costs of Popular Medicines in Chapala, Mexico Updated May, 2021
Billy and Akaisha Kaderli

If you are visiting or moving to Chapala, Mexico from the US or Canada and are on specific medications, you may be interested in the information below. These are current prices from several pharmacies in town. Some give Generic pricing along with the patented medicine price.

Banos, Ecuador Worry-Free Housing

My husband and I have the best of both worlds. We often leave the United States 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 an overwhelming desire to see family and friends once again, we return home to America's stunning Southwest.

WOW! CNBC Featured Billy and Akaisha!

This couple retired at 38 in 1991 with $500,000 in savings. Here’s how their investments have lasted over the years.
Robert Exley Jr.

Inflation transitory 04-30-21, All Inflation Is Transitory. The Fed Will Be Late Again. 04-30-21

Real Investment Report
Lance Roberts

All Inflation Is Transitory - On Wednesday, Jerome Powell commented that while he sees inflation, he believes it to be transitory. As my colleague Mish Shedlock noted: “Inflation jumped as predicted, and so was the Fed comment about transitory.”

How to Save Money on Home Insurance When You Retire
Anne Davis

We have some helpful tips if you're getting close to retirement and you are looking to invest in some cheaper home insurance. We offer you the dos and don'ts on shopping for home insurance for pensioners.

The 4% Withdrawal
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 30 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.



Billy at his favorite place - Beaching it around the world!

Money Never Sleeps
Billy and Akaisha Kaderli

Just because you retire, your money doesn’t have to. In the words of Gordon Gecko from the 1987 movie Wall Street, “money never sleeps.” And your money definitely won’t once you leave your job.

Palenque still holds mystical charm

Palenque, Chiapas, Mexico
Billy and Akaisha Kaderli

We rose before sunrise to catch an early combi to the ruins because we read that it was "magic" watching the sun dissolve the mist surrounding the Maya structures and having them "pop" clearly into view.


Billy and Akaisha, Not ready to push the daisies up yet!

Adventures in Financial Independence
Billy & Akaisha Kaderli

Our adventure in financial independence started three decades ago. We were 38 years old and full of energy for whatever came our way. Over these last many years we have had more experiences and challenges than we can mention, but suffice it to say: We’re still here.

Map showing location of Lake Atitlan in Guatemala Panajachel, Guatemala is Open for Tourism
Peter LaFerrara

What is needed to enter the country In order to enter Guatemala, you need to have a negative COVID test (PCR or Antigen) that was taken within 72 hours of your arrival. Also, you need to fill out a one page online health form before your departure (link is also at the end of the article).


A pile of Quetzales, Guatemalan money Expat Living and Dollar Fluctuations  - How to deal with Dollar Fluctuations when you live outside the US
Billy and Akaisha Kaderli

Let's say you're living outside the US and your fixed pension or Social Security is based in U.S. Dollars. If the Dollar takes a dive and loses value against the currency you are using, what might that decline of the Dollar mean for you?



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?

Ladies having fun in Puebla, Mexico

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


Your Retire Lifestyle Mentors Ask us anything to help you

 Globo Surf

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More Adventures

Financial Independence begins when you have enough money to enjoy the lifestyle you dream about.
Let us help you get there.

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Our Retire Early Lifestyle cap on the beach

They Retired at Age 38... 30 Years Ago
Robert Brokamp, CFP® - Motley Fool Rule Your Retirement

We get the latest update from Akaisha and Billy Kaderli, two pioneers of the “retire early” movement.


How to File U.S. Expat Taxes For Americans Abroad
Veronica Rhodes

United States citizens and Green Card holders living overseas still have to file a U.S. tax return every year. Always remember that your worldwide income is subject to U.S. income tax, regardless of where you reside.

400 conejos mezcal, Oaxaca, Mexico You don't find Mezcal.... Mezcal finds You
The Traditional Drink of Oaxaca, Mexico

Billy and Akaisha Kaderli

Oaxaca, Mexico, is a gastronomic powerhouse now, known for its international cuisine and for its mezcal. You will enjoy this little summary and insight into this ancestral drink of Oaxaca.

ALMOST READY NOW Tennis Court Fundraising and Construction
Billy and Akaisha Kaderli

 Well folks we did it. We raised $26,000 US out of the $30,000 US needed for the construction of two tennis courts. Construction begins Monday, and hopefully should be completed in six weeks. It was touch and go there for a while, as the current administration is finished at the end of this year, and once they found out how much money we had raised, they tried their best to influence us to build different types of sporting facilities, other than tennis courts.

A Bus Ride Like You Have Never Enjoyed Before! LIVE MUSIC!

Living here in Chapala, Mexico, this can be a typical bus ride. Wandering minstrels will board, singing for a few coins donated by passengers. This musician is a friend of ours whom we have known for decades and he's really good! Enjoy this romantic bus ride from Chapala to Ajijic - a bus ride like you have never experienced before.

GERRARDO, ONE OF THE CLUB'S TOP PLAYERS Chapala Tennis & Volleyball -

Congrats Chapala... what once was a dream, is now a reality ...Vic Braden

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.

A Walk Down Chacala’s New Malecon

Billy takes you for a walk on Chacala's new malecon, up by the marina. Looking south, it will give you a completely different view of this protected little bay. Hear the surf pound the beach, and the exotic tropical birds calling.

La Pueblita Care Facilities in Mexico

Independent Living, Convalescent Care, Assisted Living Look below for a variety of care options, from active adults to those with Alzheimers and dementia problems. You might need wound care, companionship or assistance after surgery. Or, perhaps you would like to invest in a community which would allow you to move into continuous care if you should ever need it.



Nice even walkways on malecon with lush tropical plants, 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.

They Said It Couldn't Be Done - Oh Yes it Can! -  RetireEarlyLifestyle Music Video

1991 the critics said it couldn’t be done Wanted to retire while they were still very young Selling everything they now have a life in the sun Having more fun, more fun than anyone.


You Should Be Here!

Take a seat, listen to the waves, hear the birds calling. Watch swimmers out in the bay exercising in the early morning hours. This could be your life. Aaaaahhhh......

San Juan de Lima, Mexico
Billy and Akaisha Kaderli

Visiting as many of the tiny beach towns along the rugged Pacific Coast of Mexico was our intention on this 3+ month adventure. Coming from the black sand beaches of Cuyutlan, we once more had to pass through the transportation hub of Armeria in order to continue on down the coast. Once in Armeria, our 10 Peso tickets got us into Tecoman at 11:30 a.m., allowing us time to eat our sandwiches before the noon bus to San Juan de Lima was to arrive.

Captain Billy San Marcos, Lake Atitlan, Guatemala
Billy and Akaisha Kaderli

One of the great things about living on Lake Atitlan in Guatemala is the proximity of the neighboring lakeside towns. Each place captivates with their own flavor and personality, and are very different one from the other. On this day, we decided to visit San Marcos, well known for its New Age classes and hippie culture.



One of the most beautiful places on the planet

Taxes for Expats

Four books on Mexico, a great value. Take advantage of our insights.

The Pacific Coast of Mexico Guide details our travels along the coast.

Assorted Blog Posts

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.

If creative writing gives you a headache, use a reliable academic essay writing service to Order essay fast and easily.



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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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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