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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.

How to Become a Millionaire by 50 years of Age

Billy and Akaisha Kaderli

Becoming a millionaire by 50 years of age seems like an ambitious goal these days. But is it really?

The secret is to start early.

Let's take a look at some charts.

Using 70 years of data you can see that the S&P 500 Index with dividends reinvested has returned over 10% annually.

For this financial exercise I will set you at a 10% annual return, the same as the S&P 500 Index or the ETF symbol SPY.

The first chart is out of your control at this point but not for your kids.


A $10,000 investment into the S&P 500 Index when your baby is born could be worth more than one million dollars by the time they are fifty. This will create a solid foundation for their financial future - and that is without adding another cent to their investment.

But what if you wait until they are ten years old to start this plan and still make it to one million dollars by the time they are fifty?

With a forty year investment opportunity the initial investment now needs to be $25,000. This is two-and-a-half times more than the amount needed if you began your deposit at birth.

How about a 20 year old? How much do they need to create this scenario?

Remember the goal is to become a millionaire by the time they are fifty years old. They need $60,000 deposited to accomplish this goal.

Continuing this exercise let's look at a 30 year old. How much do they need to deposit?

With only 20 years left before turning 50 years old, they need to deposit $150,000 and let the market work for them.

A forty year old is getting down to crunch time and is going to have to make an even bigger investment.

A deposit of $400K is what it will take to create this plan of becoming a millionaire by the time they are 50 years old.

As you can see, time is on your side when it comes to investing. The earlier you get started the less investment you will need to make.

Remember, all of these investments were a one time investment. No other contributions were made other than dividends being re-invested.

Now that you know this, you have the tools to change your financial life or the life of your child or grandchildren.

Get started today!

We are Retire Lifestyle Mentors. Our goal is to help you achieve your retirement dreams.

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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