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

Correction Bulls Risk 09-24-21, Correction Is Over. Bulls Jump Back Into The Risk Pool 09-24-21

Real Investment Report
Lance Roberts

Correction Is Over As Bulls Jump Back Into The “Risk Pool.”  Retail investors didn’t step in right away to buy the dip at the 50-dma. However, they did show up on Monday afternoon and continued to buy through the rest of the week. 


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Jackie Lange expert has your answers regarding Panama

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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.

Torreon, Mexico - Historic Center

Billy walks around the Historic Center in Torreon, Cuahuila, Mexico. Beautiful wrought iron work, a modern style Gazebo and a Clock Tower that actually has the correct time! Check it out.

bicycle in front of aging wall, with windows Are You Seeing Windows or Walls?
Billy and Akaisha Kaderli

All of us have struggles in life. Be it financial, health issues, family challenges, or something in our career; we all have stuff. Whether you succeed and move towards fulfillment and success or close down and become stagnant out of fear is your choice. The difference is how you approach these obstacles in your life.


We Won the Financial Independence Lottery
Billy and Akaisha Kaderli

Over thirty years ago – and some of you might just now be thirty - we embarked on creating ourselves a money machine that would last our lifetimes. What if we could receive enough income from investments so that we could travel the world and discover new horizons without running out of money? Is this even possible?

A Walk Around Municipal Plaza, Torreon, Coahuila, Mexico - LIVE MUSIC!

Take  a walk around the Municpal Plaza in Torreon, Coahuila, Mexico. See the colorful gigantic letters of the city, a statue of Benito Juarez - a Father of the country of Mexico - and the Municipal Theater.

Picanha cut of beer, Rucula, Queretaro City, Mexico

Rucula - Santiago de Queretaro, Mexico
Billy and Akaisha Kaderli

We had just arrived in Santiago de Queretaro and were meeting friends at an Uruguayan grill named Rucula. The restaurant promised the best cuts of meat from Uruguay, Argentina and the United States.

Eight Day Adventure Traveling Around Lake Chapala, Mexico
Billy and Akaisha Kaderli

Anxious to hit the road, we took the 9:00 am bus out of the Chapala Central bus station heading East. Our first stop, was a small lakeside Pueblo named Mezcala with close to nothing going on.

Entrance of La Bocha Restaurant, Queretaro, Queretaro, Mexico

La Bocha Queretaro, Mexico
Billy and Akaisha Kaderli

We came upon a Father and his young daughter and struck up a conversation with them. Billy likes to speak with locals, probing why they like where they live, and then asking them if they know any good restaurants that we should try. Without hesitation, this Father said "La Bocha." He mentioned Hacienda La Laborcilla as well.

Akaisha Boogie Boarding, Phuket, Thailand

What Every Woman Needs to Know about Retirement
Billy and Akaisha Kaderli

The other day I read an article about women and retirement. In this piece, the number one premise for motivation was that we should be afraid. Very afraid. It said that for the most part, men did the planning for retirement and that we as women rely on them blindly.

Cooking birria in a deep pot, La Birria del 99, Queretaro, Queretaro, Mexico La Birria del 99 - Santiago de Queretaro, Mexico
Billy and Akaisha Kaderli

I can't believe it took us so long. We've been running around Latin America since 1993. We've heard of birria, but we had a flavor prejudice that began when we lived in Nevis, British West Indies. Let me explain.

Billy and Akaisha decades of financial freedom

What If You could Retire Early?
Billy and Akaisha Kaderli

What if you could wake up and have nothing pressing on your schedule for the entire day? And you could spend that day doing anything you wanted?



It is always better to fail in doing something than to excel in doing nothing. – Chinese Proverb


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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Billy on top of the roof in Santa Ana, Guatemala How Do You Know You Are Wealthy?
Billy and Akaisha Kaderli

What is wealth? In 1988, when we were first contemplating leaving the traditional working world and replace it with a life of travel, wealth was described only in terms of having money and possessions.



Billy Akaisha

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

We decided to take Social Security at age 62. We know there are as many ways to consider this decision as there are days in a year. And many experts advise against taking social security “early” so that you get a bigger check at full retirement age. It is hard to argue against that.


Chalkboard listing of beers available Hercules Cerveceria, Queretaro City, Mexico

Hercules Cerveceria - Santiago de Queretaro, Mexico
Billy and Akaisha Kaderli

Today, Mexico is among the world's top beer producers but it wasn't always so. It took a war of independence from Spain (and their heavy regulation and high taxes placed on local production of beers and wines) along with a late 19th century influx of German immigrants to push Mexico into world class beer making.

Hammering the MOLTEN STEEL OVER UNEXPLODED SHELL to make knives, Luang Prabang, Laos Hardened and Hammered
Billy and Akaisha Kaderli

The locals make knives out of American steel, and the gathering of River Moss Luang Prabang, Laos. Thought you’ve seen everything in Luang Prabang?

Restaurant La Porfiriana, Puebla, Mexico Lessons We Learned in 2020
Billy and Akaisha Kaderli

“Improvise, Adapt, and Overcome” - Marine slogan

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 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?

Young woman in front of wall Men - Women Their Comparative Saving for Financial Independence
Billy and Akaisha Kaderli

Why do women lag in retirement savings as compared to men? Are women at a disadvantage for reasons too numerous to list? Is it sexism? Are females not good savers? Big spenders? Is it really true that women get paid less for the same work performed? Is the world financially stacked up against women?

Indoor and outdoor seating at Hanks Queretaro City, Mexico Hank's New Orleans Cafe and Oyster Bar - Santiago de Queretaro, Mexico
Billy and Akaisha Kaderli

We stumbled upon Hanks just out of good luck. We arrived in Santiago de Queretaro after a long 5.5 hour bus ride on ETNs First Class Double Decker Bus. After taking a taxi from the bus station to our hotel for 130Pesos (about $6.50USD), and checking in, it was about 4pm, and time to eat.

paddling in a float boat on a river How to Choose Your Future
Billy and Akaisha Kaderli

In pursuing your dream of financial independence, you will find that some things will support you in this quest, and others by nature will be obstructions.

Akaisha and Billy in Antigua, Guatemala They're 68 Years Old -- And Have Been Retired for Over Three Decades
Robert Brokamp

In the second issue of Rule Your Retirement (published nearly 17 years ago), we profiled Akaisha and Billy Kaderli. After careers in the restaurant and financial-services industries, they retired in 1991 at the age of 38, enabled partially by living in exotic but low-cost areas of the world. Every few years, we catch up with Akaisha and Billy to see how their retirement is progressing.

Six Good Reasons to Check Out - Living in Chapala, Mexico
Billy and Akaisha Kaderli
Swimming pool at Hacienda La Labrocilla, Queretaro City, Mexico Hacienda la Laborcilla Restaurant Extraordinaire Santiago de Queretaro, Mexico
Billy and Akaisha Kaderli

After we strolled through a neighborhood park, where a man was walking his duck, we struck up a conversation with a Father and his young daughter. We enjoy asking the locals why they like living in their location - and, oh by the way, what are your favorite restaurants?

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

The challenge was not realistic. No matter how hard or long we worked, we couldn't compete with Bill Gates' net worth. It just wasn't going to happen.

Santa Rosa de Viterbo Church, Queretaro, Mexico The Streets of Santiago de Queretaro Mexico
Billy and Akaisha Kaderli

Queretaro is one of Mexico's smallest states. But boy, it's packed with wonder, culture, history, diverse ecosystems and good food.



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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