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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.

There Is No Greater Virus than Fear

Billy and Akaisha Kaderli

We have a choice.

We can live a life of fear, or one of hope and optimism.


Dwelling on fears clouds the mind.

It creates anxiety, emotional contraction, judgment of others and it becomes difficult to make a clear decision about anything.

Moving forward becomes arduous because there is so much doubt. Fear sees limitation, lack of options, and darkness of mind Ė itís called depression.

When we are in the middle of it, fear seems very real.

What Iím talking about is not the kind of fear when someone has a knife to your throat, threatens your family, or if a wild bear is chasing you.

Iím talking about the fear we manufacture in our minds in response to something that is out of our control.


When we consider our abilities, good fortunes, and the possibilities of the future, we are able to see windows instead of walls. Itís the place where we have ideas, dreams, solutions to existing problems, and we create new inventions.

Yes, currently we are in the middle of some fear-full stuff that is going on. And how you choose to see it makes all the difference.

Human beings are very creative. Remember the saying "Necessity is the Mother of invention"?

There will be hundreds if not thousands of new businesses and inventions born out of these present crises. Perhaps the next Amazon, eBay or Genentech will be leading us into the future.

This is how society, the human race and free enterprise has propelled us forward through the previous decades and centuries. Even Winston Churchill said "The empires of the future are the empires of the mind." 

A little perspective

The world can be a fear-filled place.

Seems there is always an existential threat of some kind to put us on edge if we allow it to do so.

Remember, there was Desert Storm in 1991, the first bombing of the World Trade center in 1993 and an over-hyped Y2k crisis pending as the world turned its calendar over to a new century at midnight, 1999.

Large companies like K-Mart and American Airlines filed for bankruptcy, and terrorists bombed 2 nightclubs in Kuta, Bali killing and injuring over 500 people.

Don't forget Hurricanes Katrina and Stan, between them taking the lives of over 3,000 people.

Both the housing and securities markets crumbled in the early 2000s destroying billions in wealth and decimating many people's retirement dreams.

And remember oil hit an all-time high of $147USD per barrel, and the Boston Marathon Bomber blew up a traditional running event.

We've been through Bird Flu, the Zika virus and Ebola.

But we all have survived and we're still here.






More recently

In recent days there has been Covid, hyperinflation, supply chain issues, a war in Ukraine, and dozens of food processing plants have been mysteriously set on fire and destroyed.

The world challenges us

There have always been crises.

Billy and I talk about Billy Joel's song "We Didn't Start the Fire" - The world has always been churning ever since it began turning!

The world is an active place that challenges us on every level.

Will we succumb to fear and contraction?

It is well-known that triggering the stress hormones of fear suppresses our immune systems thereby making us more vulnerable to any pathogen.

So why would we want to spend long periods of time there?

Taking a different tack, we could utilize our energies of mind to bust through that darkness.

We could choose to be on the side of solutions, options, possibilities and opportunities. We don't need to set down roots in The Land of Fear, having our world contract more and moreÖ slowly dyingÖ while things turn uninviting and colorless.

Boracay, The Philippines

Akaisha feeling the wide-openness!

Why not change the direction of your focus and hit the your own personal reset button?

Get out into the sunlight where things are clearer, hope-full, and be energized by the future - even though we might not know how that will all play out.

I want  to leave you with another useful quote from Churchill. "Courage is what it takes to stand up and speak. It's also what it takes to sit down and listen."

Personally, I think it's clarity of mind that will bring us through any of these crises we as humans face.

Trust yourself.

Take a deep breath.

You will know if you need to stand up and speak, or if you need to sit down and listen.

Or maybe it will be a combination of both.

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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 Adventurerís 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 Ė the person who prizes their independence, values their time, and who doesnít want to mindlessly follow the crowd.

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