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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.


Billy and Akaisha Kaderli

Billy driving a Chicken Bus in Guatemala

Billy driving a Chicken Bus in Guatemala

Just for kicks I ran some numbers.

What if I would have been able to receive in a lump sum on the day I retired back in 1991, all of my social security money that I and my employers contributed to my account?

What if?

I was impressed.

In fact, I was really impressed.

On the day I retired the S&P 500 Index closed at 312.49. As of this writing, it's north of 3900, over an 8.0% annualized return plus a couple of percent for dividends. We will call this a ten percent annual return.

What I learned is that had I been able to invest my contributions into the S&P 500 Index, my annual take away from Social Security today would be three times what I am currently receiving. Three times, and without touching the principal!

Think about this...

If you are planning on receiving $2000.00 per month from Social Security, under this scenario I just described you could receive $6000.00 per month. This would be a nice retirement boost, for sure. Plus, what if you would be able to add this asset to your estate and therefore able to gift it through inheritance?

You can’t do that with Social Security.





Imagine if I could have been able to invest in this fund beginning when I started working in my teenage years? The amount per month that I would be able to withdraw would be considerably higher.

But, what if’s are for children.

The reality is that our current Social Security System does not allow such an investment. Therefore it is important to create your own retirement strategy and money machine.

Many younger people believe that Social Security will not be there when it is their turn to receive benefits. So how can they create a sustainable financial retirement?

Create a Social Security Life Hack

My advice is that whenever you get paid, invest an amount equal to what is being withheld from your pay check for FICA (Federal Insurance Contributions Act) taxes. In fact double it to match what your employer is paying. Buy the ETF’s (Exchange Traded Funds) SPY or VTI or VOO through a discount brokerage firm like Fidelity or Vanguard.

Do this investing in addition to a 401K plan or other retirement accounts that you may have.

The naysayers are going to react by saying what if the market crashes like it did in 2000 and 2008 where the S&P 500 lost 50% of its value? Yes… That too is going to happen, possibly more than once during your investing years. Take advantage of those times by adding to your investments and a few years later you will be rewarded.


This is one path for sustainable financial freedom so that you are not dependent on the government or anyone else for your financial security.

And if Social Security is still viable when you become eligible it will be a bonus and you too will be able to party like it’s 2021.

What's Your Number? - How much money do you need to retire?

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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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