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In 1991 Billy and Akaisha Kaderli retired at the age of 38. Now, into their 3rd decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.

Our 25th Year of Retirement by Age 62

Billy and Akaisha Kaderli

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Billy and Akaisha in Antigua, Guatemala

Billy and Akaisha in Antigua, Guatemala

We are in our 60s and have decades of living a financially independent lifestyle. That is quite a feat!

From the beaches on Nevis, West Indies, to the shores of Phuket, Thailand we have traveled extensively through these years, and what a ride it’s been! Young and strong in those early days, we were willing and able to tackle just about anything. Now we tend to be a bit more cautious but we’re not letting up. We still climb into the backs of pickup trucks, ride the chicken buses and soak in volcanic hot pools. The time has passed quickly from when we were the youngest, grayless couple in a group of retirees, to now where we blend in with the retiree crowd.

 

Still, no one can take away the dance we danced and we are filled with gratitude for all the miles and smiles.

What about you?

How do you want to live the next five, ten, twenty years or more? Only you can decide what is best on your path and how to get to your goal.

We were often told retiring early couldn’t be done successfully and that we would fail. These self-supported decades have proven the naysayers wrong, and we believe that since we have done it, you can too. In our book and on our website we share the tools we have used to get us here so that you, too, can create your own successful retirement, early or not.

The Adventurer's Guide to Early Retirement, 3rd Edition

We maintain that one must keep their dreams alive. No one will do it for you and besides, it’s much more fun to be led by one’s dreams instead of being pushed by one’s problems.

Time tested tools

No matter where you are on your retirement path, here are some time tested tools we have used. Take advantage of what we know.

Track spending

This is basic and oh-so-essential. When you track what you are spending you know exactly where your money is going and you are able to make decisions clearly and in real time about your cash outlay. This one habit will change your financial life.

Manage cost per day and annual net spending

Once you track your spending, you are able to figure out the yearly amount of money you are devoting to live the lifestyle you are currently enjoying. Divide your yearly amount by 365 days a year and you have your Cost per Day. Manage these figures assertively and you will be in control of your money. We have been retired since January 14, 2015 and our annual spending for this time has been well under $30k per year.

The Adventurer's Guide to the Possible Dream
Twenty years later

4 categories of spending

In any household, there are four categories of major spending: housing, transportation, taxes and food/entertainment. If you make adjustments here – and there are lots of ways to do so - you are on your way to financial independence. Open yourself up to options such as house sitting, moving to a less costly area to live, paring down the number of  vehicles you own, and being aware of your entertainment outlay.

Positive attitude and mental flexibility

Some people think having a positive and flexible mental attitude is small stuff and inconsequential. But without a sense of wonder, an open mind to new things and even to Change itself, making the transition into a satisfying new life of retirement is more difficult. There are so many opportunities and different ways to live, travel and experience life! Why get in your own way? Embrace your retirement and get a mitt and get in the game!

 

These are only a few of the tools we have utilized for all these years on the road. For more insights and practical information, take a look at our website, RetireEarlyLifestyle.com and if you have questions, feel free to write to us at TheGuide@RetireEarlyLifestyle.com. And if you would like us to be your own personal Retire Lifestyle Mentors click here. 

So, with decades of experience behind us, we encourage you to dust off that dream and create a clear vision. Strengthen your will to move into your new life and put your solid financial plan into action. If you do these simple things, you, too, can live the life of your dreams.

Editors note: On the date of our retirement, January 14, 1991, the S&P 500 was at 312.49. It has averaged better than 8% yearly plus dividends over these decades. Our average annual spending is well below $30k yearly.

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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 RetireEarlyLifestyle.com, 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 Amazon.com.

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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