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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.

What If You could Retire Early?

Billy and Akaisha Kaderli

Billy and Akaisha decades of financial freedom

Three decades of Financial Independence

What if you could wake up and have nothing pressing on your schedule for the entire day? And you could spend that day doing anything you wanted?

How about the idea of getting up at 6:00 AM and going for a run or to the gym and not feel rushed to get cleaned up for work? Would you like taking two hours for lunch with your spouse or best friend and then relax in the afternoon or take a nap?

Or maybe you’d like to sink your teeth into an art or gardening project, join a theater group, sail throughout the Caribbean Islands or go on a month-long motorcycle trip - Just because… you can.





We broke free of the shackles of a work-oriented life three decades ago and continue to enjoy the new adventures each day brings. We get up in the morning with nothing to do, and at the end of the day we only have half of it done. Our days fill up with things we want to do, not things we have to do. We love this creative freedom.

You too can live this life or one that is tailored to suit your particular style.

First things first

The first thing you have to know is where you are on this road less traveled. Are you just starting out, paying down debt and opening up a brokerage account? Or have you saved a lot, invested wisely and are about to make the leap into the retirement realm? Either way, you need to have a handle on your spending and income.

Tracking your spending is a habit we have encouraged for years and we continue to do this ourselves on a daily basis. How else can you judge the financial health of your family? If you track your spending you will never, ever, “suddenly” run out of money. This is probably the simplest step on your road to financial independence, yet many continue to avoid this easy task. They are the ones that do not have the slightest indication as to where their monthly income goes and at the end of the month they are starving to receive their next check.

If you are reading this, I doubt that you fit that description.

Next, you should create a purpose in your life other than work.  Most men, and now many women these days, identify themselves by their careers and have a difficult time letting go of the prestige, status and structure it brings. They give notice to their employer and the first few weeks or months after quitting work is like a long-deserved vacation.

Then it hits them. Now what?  

Lost like a fish out of water, they no longer know what their self-definition is, how to feel productive or even what to do to fill up their days. Some go looking for a second career or decide to do some consulting to keep busy.

Are you your job?

Even today, after running around the planet and traveling for nearly thirty years, we continue to get asked who we were before we retired. That was decades ago!  After you have left your career, you can reinvent yourself into a new description and go wherever your passion drives you. And why limit yourself to just one invention? This is your life and you only have one shot at it. Why not reinvent yourself numerous times, just because you can.





During our retirement time, one or both of us has been an English teacher, a basketball coach, a tennis pro, an author of books and newsletters, international house sitters, and tour guides, a volunteer to name a few. All of these things challenged and satisfied us until we moved on to something else.

Financial freedom has allowed these lifestyle changes without the career pressure and all the while our net worth increased.

We think the key is to enjoy your life of retirement and live it like no one is watching.

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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