Financial Advice for a Reader

Q&A with a Reader

Hello Billy and Akaisha,

I just happened to listen to your interview on the World Wanderers podcast and really enjoyed hearing your perspective on early retirement and the travel lifestyle. My wife and I recently quit our jobs to test the concept ourselves. We are currently in Malaysia and are loving things so far.

Both my wife and I are in our early-mid 40’s. We both worked in software and have already had experience living abroad. We have lived/worked outside the US for over 7 years now and enjoy our nomadic lifestyle.

Even before I had heard the term Financial Independence (I only learned of Mr Money Mustache 4 months ago), I had always been careful with my finances. Never had debt. Purchased everything with cash. Saved as much as possible. However, I believe that my biggest failure was never really understanding the world of investment and, more to point, being downright afraid of it. We have our money in many different vehicles but we had never really optimized them so that we could live off them one day. So that we could dip into them while continuing to earn.

After listening to your plea on the podcast to learn how to invest, I was wondering if you would be interested in providing a financial review to help shape our savings into a portfolio that was similar to your approach. We already have some passive income from a condo that we rent, but I want to learn how to make our other investments cover our remaining expense needs while continuing to earn interest.

Have you ever conducted a paid consultation to help guide others in understanding your approaches to successful financial independence? Would you be willing to do so?

Thanks a lot,


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Hi Marc,

Thanks for taking the time to write and we are happy you enjoyed the podcast.

In a nut shell we explain our investment approach in our books, The Adventurer’s Guide to Early Retirement and The Possible Dream.

That said, you must be doing something right or you would not be where you are today financially. I commend you on your success.

We have always used the equity markets to create a money machine. Meaning that…rough numbers…our portfolio increases 10%…we live on 4% or less and reinvest the other 6% to cover inflation and added growth. We have been investors for many years including before we retired so we are not afraid of the markets. Sure there have been times when we have been tested, but cooler heads prevailed.

I suggest that if you want to go this route it doesn’t have to be all or nothing. Being 40 you have many years ahead of you and time is on your side. This is your greatest asset. Also at your age I would suggest something like a 60% stocks 40% fixed income…perhaps including your rental in that equation. But at the levels we are currently at in the market, I would suggest moving money into the markets over numerous months.

We have a lot of information on our site regarding our investment plan. Being 63 we are a little more conservative than I would suggest for you but only you know your risk tolerance.

I don’t really do consultations but am willing to help any way I can. If it works for you, that is my reward.

Feel free to write if you have more questions.




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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