Retire Early Lifestyle
Retirement; like your parents, but way cooler

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.

Habits of Successful Investors

Billy and Akaisha Kaderli

Ever wonder how millionaires spend, save, and invest their money?

Below we list money habits that anyone can apply to their personal finances.

We have followed these tips for decades.

Akaisha and Billy with a Wagyu beef in Osaka, Japan

Pay yourself first

From every paycheck pay yourself first right into your retirement, emergency and investment accounts.

Today this can easily be done through automatic deposits. After a while you will naturally adjust and will not miss this money which is funding your future. As a bonus, you will learn how to live below your means.  

Stay the course

Let time in the market work for you. Time is your greatest asset - don’t waste it. Stay the course. Utilize the K.I.S.S system, Keep It Simple Stupid. Buy low cost Index ETF's and let them work for you.

Don’t overspend

It’s way too easy to overspend. There are brunches, dinners out in restaurants, happy hours, lifestyle creep, impulse shopping, and peer pressure. They all take a toll on your spending ledger. Maintain a budget and track what you spend.

Remember, when you overspend, you’re taking money away from your future self. It’s not the $100.00 you are spending today, it’s the future value of that money as well as how many hours of work you need to replace it.

Track your spending

Just like a business needs to know what the costs of doing business are, you need this info as well.

We track our expenses daily and divide those totals by our net worth so that we know what percentage of our net worth we are spending in real time. This is a valuable tool that relieves the stress of  spending and market fluctuations. 

Notable additions

Now that you know what you are spending per month, create an emergency fund of one year’s expenses. Place this cash into a high yielding liquid money market fund. We use Fidelity FDRXX for these funds, currently paying 5%.

Cookin’ Baby!

Eat real non-processed food. Learn how to cook. With 1000’s of videos detailing all types of cuisine, anyone can customize to their tastes and interests. 

The money savings and healthy living will more than offset time for food prep and cleaning.

I listen to podcasts while preparing our meals, thus continuing my education of numerous interests at the same time I am making a healthy meal.

If possible, go Car Free

With today’s ride sharing apps it’s easier than ever to go car free. We have not owned a car for nearly two decades now and we don't miss it at all. Using the current annual cost of vehicle ownership of $12,000, we have saved $240,000. That's a lot of Uber rides!

Investing the monthly cost of a car into the S&P 500 Index will greatly enhance your net worth. For us that's over $600,000!

Following these tips will be an asset to anyone’s Financial Independence, and it will open your life in many ways.  

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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