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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.

Are You Prepared for the Ups and Downs in Retirement?

Billy and Akaisha Kaderli

Retirement is not static. It's an attractive goal, but not the end of the road. No one knows what the future will bring, and no matter how much one prepares, there is always the unexpected lurking around the corner. Having a respectable nest egg or proper insurances in place can aid us in times of personal change. But some events are beyond our control.

At the age of 69, we are in our 32nd year of retirement. Reflecting on these eventful years, the adjustments we have passed through are sweeping.

With this in mind, it is important to note that on on the day we retired, the S&P closed at 312.49 as shown below.





Financial indices rose, fell, and rose again. Sometimes we asked ourselves "Will we have to go back to work? Will our nest egg hold? What is our fiscal tolerance level here?" And we have even wondered "How long will this bull market continue?" Just as life has its ups and downs, so do investments. As you can see from the graph of the S&P 500 below, these are very real and practical questions to be asking:

Money is central to retirement, but we cannot overlook the power of emotional factors to knock us off course. Parents were lost to illness and we watched nieces and nephews leaving the nest. New marriages in our family took place as well as divorces. Personal challenges that could never have been predicted caused us to grow on an individual level, strengthened us as a couple, and refreshed our connection to the sacred.

Leaving our jobs behind gave us new opportunities to interface with the world. We energized our self-descriptions, and no longer had to fit into a career title.

Sometimes that was exhilarating, other times befuddling. However, not once over the last very satisfying 31 years have we regretted taking the leap. In some respects, retirement has proven to be more exuberant than the life we led while holding down prestigious careers!

Who would have known?

As in any time of your life, there are challenges and trade-offs. In our experience, it has not proven useful to jump into fear or exaggerated "what if" scenarios. The stunning loss of a spouse, or any natural disaster blasting its way through what seemed to be a safe retirement could not have been prevented. These are the times we must look to other sources of riches.

Allowing friends to help us is a transforming experience. Reaching deep inside we find our capacity to recover, and this is not something money can buy. There is no policy we can purchase to guarantee life will cooperate with us.





How will you know if you are ready for retirement? Are there some proven guidelines you can trust for the answers? Is it only a matter of money or simply a matter of faith?

It is advisable to plan your retirement having financial bases reasonably covered. Newsletters and online financial forums are dedicated to help educate you in this area and can better prepare you for that day when there is no paycheck on Friday. At the same time it is wise to look at other areas in your life that offer wealth. Investing in your personal betterment will surely be productive. Effort towards strengthening friendships will reward both sides. Know what your city or town offers in terms of community, and consider the option of volunteering where your input or leadership would be appreciated.

Although there are no guarantees in life, there is nothing that can take the place of full engagement in your own retirement. So if markets fall, or unforeseen events rattle your foundation, you will have fortified your friendships and energized your own personal creative genius.

This will give you confidence to move forward.

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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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