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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.

2019 Annual Spending Update

29 Years and Counting

Billy and Akaisha Kaderli

Billy and Akaisha at Chacala Beach, Mexico

Billy and Akaisha at Chacala Beach, Nayarit, Mexico

About nine 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 2019 we spent $27,722 or $75.95 per day. Our average spending for 29 years of financial independence or 10,585 days, is $23,073 annually or $63.21 per day.

At the same time our net worth has continued to climb outpacing inflation after spending. With over a quarter of a century of experience, I think we are getting the hang of this lifestyle and financial freedom.

Generally speaking over these last 29 years, we have been utilizing Geographical Arbitrage, living in cost beneficial countries such as Guatemala, Mexico, Vietnam, and Thailand, thus positively affecting our numbers. Currently, the Peso-to-Dollar exchange right now is a great deal, making Mexico seemingly on sale.

Because of this great exchange rate, last year we traveled from Chapala, Mexico to McAllen, Texas, Las Vegas, Nevada, Prescott Valley, Arizona, more travel through Mexico to Chacala Beach, Puerto Vallarta, and took the ETN bus to Morelia, and Patzcuaro.

We also enjoyed a much anticipated train ride through Mexico's Copper Canyon did some extensive traveling in the Mexican Highlands, visiting the cities of Tepatitlan, Atontonilco El Alto, Jesus Maria, and Arandas, tasting some of the best tequilas in the world.

The year before, we enjoyed Mexico City, Oaxaca, flew to the beach on a private plane to Puerto Escondido, visited Tapachula and took our yearly visit to the States.

We continue to self-insure for health care, taking advantage of medical services in the countries where we stay. Now, since we are 67, 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.

House sitting from time to time has helped with housing costs.





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

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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