Investment Style and Active Adult Community

Billy, I saw your article regarding retirement and investing, pertaining to the 4% rule. I was wondering, you say its fairly simple to do your own investing for yourself, is the book a simple enough approach for the average guy to understand and apply without much risk?? I am not very interested in giving my broker 1% every quarter for the rest of my life. Please advise.

Thank you,

Chris  P.S. Where can I get a small house like yours in an adult community?

Hi Chris,

I understand about you not wanting to give your broker 1% per quarter when you can and should be doing this yourself. I address this in our book, The Adventurer’s Guide to Early Retirement, and how we set up our portfolio back in the early 90’s when we retired.

Times have changed and so have we. We are now twenty years older and after going through the last/lost decade of returns, we are taking a more pro-active approach to our investments. Of course our plan is not for everyone and you need to define your risk tolerance. Your age and net worth should be part of this analysis.

You can do this yourself and your first step should be to read as much as you can. I am NOT talking about day trading, but educate yourself with any number of investment tools and how they interact. Besides our books, which by the way in The Possible Dream, 20 Years Later, we update our investment approach, I would suggest you take a look at Sy Harding’s interview. Write to him and tell him I sent you and he will send you a free copy of his newsletter. I respect his work. Sy keeps thing about as simple as you can get.

Active Adult Communities can be found all over the United States.

On our Housing Page you will find links to income tax friendly states, A Resource Page for Active Adult Community Living, Top Retirement Places and more.

It would help if you knew what you were looking for in terms of climate, size of town, and what is most important to you (entertainment options, what your cost of living preference would be, do you want to live in a university town, a country town, a larger city?). This narrows your search.

You can also Google Active Adult Communities and request information from most of the sites that come up and they will send it to your home. Or research their site online.

It starts with knowing what you want, what is most important to you, what your financial outlay can be, whether or not you want to own the land or lease it, and those sorts of things. Go from there.

I hope this information is useful to you. Feel free to write any time.

Best regards,


About Retire Early Lifestyle

Billy and Akaisha Kaderli retired three decades ago at the age of 38 and began traveling the world. As recognized retirement experts and internationally published authors on topics of finance and world travel, they have been interviewed about retirement issues by The Wall Street Journal, Kiplinger's Personal Finance Magazine, The Motley Fool Rule Your Retirement newsletter, nationally syndicated radio talk shows and countless newspapers and TV shows nationally and worldwide. They wrote the popular books The Adventurer's Guide to Early Retirement (Your Simple Path to FIRE) and Your Retirement Dream IS Possible.
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