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Retirement; like your parents, but way cooler


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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.

My Case for Financial Assets

Billy and Akaisha Kaderli

Billy kicked back in a hammock on Mexico's Pacific Coast

Billy kicked back on Mexico's Pacific Coast

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 period.





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 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 34 years.

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?

Use this calculator see how your money could have grown. And  to see your current home value. You do the math.

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

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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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