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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.

2021 Annual Spending Update

31 Years and Counting

Billy and Akaisha Kaderli

Billy and Akaisha at Chacala Beach, Mexico

Billy and Akaisha at Chacala Beach, Nayarit, Mexico

About eleven years ago we produced this video: Adventures in Financial Independence where we listed our annual spending and daily average.

We like to keep up-to-date with our Readers as to what our current spending is, and as of the end of 2021 we spent $33,881 or $92.82 per day. Plus we blew the $4000.00 stimulus checks on repairs in our humble abode in the States. Our average spending for 31 years of financial independence or 11,315 Days, is $23,583 annually or $64.61 per day.

At the same time, our net worth has continued to climb outpacing inflation after spending. Now entering our 4th decade of experience, I think we are getting the hang of this lifestyle and financial freedom.

Generally speaking over these last 31 years, we have been utilizing Geographical Arbitrage, living in cost beneficial countries such as Guatemala, Mexico, Vietnam, and Thailand, thus positively affecting our numbers. The Peso-to-Dollar exchange right now is a great deal, making Mexico seemingly on sale.

We kept up a travel schedule in the 2nd Year of the Pandemic, adapting to changing regulations. When others chose to remain in place, we saw opportunities in bargain flights and empty hotels. We visited both the US and all throughout Mexico, going somewhere each month. Living in Chapala, Mexico, an international airport is less than a half-an-hour away, making air travel very easy.

Billy's a beach guy, and we went to our current favorite beach, Chacala, 5 separate times. But we also visited Grand Cities like Guanajuato, Queretaro, and Torreon, and the Golden Triangle of Tequila Making, Arandas and the El Pandillo distillery. Akaisha made her yearly visit to the States to visit family for 5 weeks, and then back to Mexico's Pacific Coast beaches of Sayulita, Puerto Vallarta and Puerto Escondido.

We continue to self-insure for health care, taking advantage of medical services in the countries where we stay. Now, since we are 69, we qualify for Medicare and no longer need to take out a Traveler's Health Insurance Policy from World Nomads to cover our time in the USA. A few years ago at age 62, we decided to begin taking our Social Security. Billy has made some adjustments to our portfolio using ETFs which allows him to buy and sell in real time, and take advantage of market downturns, as well as market upswings.





We continue to eat well, live and travel comfortably and make visits to the States regularly to see family.

It's a GREAT life.

If we can do it, you can too!

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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 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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