Retirement; like your parents, but way cooler
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.
My Case for
Billy and Akaisha Kaderli
Billy kicked back on Mexico's Pacific
When I was a stock broker in
California - one of the hottest housing
markets in the US - real-estate was my competition. “Everyone” was making
money in real-estate so why would they invest in the stock market?
I needed an angle
I went to the Board of Realtors and got prices for 2-3 and 4 bedroom homes in
the area, both at the current price and for 10 years prior. I did the math
to calculate what annual return these houses were creating for that ten year
span, and then compared that to the S&P 500 Index for the same time
The index clearly beat all three home styles without
the hassles of ownership,
like painting, plumbing problems, yard work, or replacing a roof. Now I had
my argument to help people invest in the market.
Ok, that was then and this is now
Using RealtyTrac.com I looked up what the home we used to own was now worth.
It was listed at $1,082,000. Again I did the math and found that over the last 34 years since we
bought it, that house has appreciated 6.5% annually. Sounds OK, except that
there were property taxes, maintenance and repairs that would need to be
deducted lowering that annual return.
Then I wondered, what if we had put the money to buy our home into the S&P
500? So I calculated that figure also.
Are you ready?
It would be worth over 4 million Dollars today! Four times the current
value of the home as the Index produced a 10.32% annual return during those
Even the down payment alone, had we invested it, would have grown to $950K, about the cost of
the home today. Amazing.
What about you?
calculator see how your money could have grown. And
realtyrtrac.com to see
your current home value. You do the math.
What's Your Number? - How much money do you need to 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.
Retire Early Lifestyle Blog
About Billy & Akaisha