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.
Treasures of Teamwork
Billy and Akaisha Kaderli
Akaisha pedaling Billy in a Jak-a-ran,
Chiang Mai, Thailand
Some people have the idea
that Billy and I planned our early retirement for years before we made the leap.
Our noses were to the working grindstone so long, they were flat. It
was actually fatigue and thinking that there had to be more to life than work
that led us to this point.
It was Billy who first
proposed getting out of the 60- to 80-hour work week. I don't remember exactly
how he presented the idea to me, but I think it was along the lines of what
Groucho Marx said: "I've had a good time. This isn't it."
For years, I assumed I would
"retire early," but to me that meant age 55. Thinking I would have a nice life
in the meantime, I expected to have a great career with a respectable place in
society, be there for my folks, family, and friends, and then slip into my new
life with ease.
But that's not how it happened.
We had been working days,
nights, weekends, and holidays for years, and by the age of 37, this lifestyle
was taking its toll. Something needed to change, and it seemed that Billy had
the answer for us.
He's like a bulldog with a chew toy -- a bulldog who also
knows how to crunch numbers. He's the one who sat down, simplified our personal
infrastructure from a
what-does-this-cost-us point of view, and then laid out
his findings to me.
Billy brought to our marriage
his extensive knowledge of finances, numbers analysis, leadership ability,
perseverance, and love of the new.
I'm no slacker myself, and I don't give up
easily. I'm organized, optimistic, and enthusiastic. I'm also willing to put off
immediate gratification for a later reward.
Fortunately, we're both independent,
creative, willing to take risks, and full of wanderlust.
It was from here that we
hammered out our plans for leaving the daily grind.
Trade-offs between one
lifestyle and another had to be made. We had plenty of what we fondly call
"high-volume discussions." We had to make sure our financial boat would float,
and we depended on each other to substantially contribute to this goal, in one
fashion or another. At 37, we were at the peak of our careers. And in the late
1980s, the notion of chucking the rat race aside seemed absurd. People told us
we were committing financial and social suicide.
In our situation, neither of
us could have created this unique lifestyle alone. Both of us had to be willing
to endure growing pains and come back to the discussion table again and again.
And now, we have no regrets about our choices.
If you're like us and want to
pursue the early retirement path, you'll need to know your strengths and
weaknesses. You'll also need to know whether your family is on board with you,
or whether you feel you're reaching for this goal on your own.
A satisfying retirement,
early or not, doesn't just happen.
Become engaged in your life,
clarify your plan of action, and be willing to ask for the support necessary to
make your dreams come true.
For more on
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About the Authors
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.
Retire Early Lifestyle Blog
About Billy & Akaisha