Retire Early Lifestyle

Retire Early Lifestyle
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 3rd decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.




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Retire Early Lifestyle is a content based website that 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.

Our Latest Adventure

Texas Proud - The Texas Capitol Building
Billy and Akaisha Kaderli

Texas, the Lone Star State, is a giant of a state, and Texans are known for their large, welcoming hearts. "Friendship" is the state's motto, and the people of Texas live by that motto.


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Your Retire Lifestyle Mentors Ask us anything to help you

Jackie Lange has your answers regarding Panama

Dr. Ochoa charged me $8000 Pesos per implant (approx $351.00 USD) including extraction, bone graft & temporary plus $2000 Pesos per enamel crown (approx. $90.00 USD) 5 months after implant was seated in jawbone. Thanks again for referral last year! - Cliff



Sunset Time on Puerto Vallarta's Malecon - LIVE MUSIC!

Walk with Billy on the Malecon in Puerto Vallarta, Mexico at sunset. Hear the birds, the waves, see the sun, enjoy hand painted hats and LIVE MUSIC at the end of the video! You've not seen PV like this before. Take a look!

What a Lifetime of Travel Taught these Early Retirees over 3 Decades, with Billy & Akaisha Kaderli

This week, I chat with Billy and Akaisha Kaderli, a husband wife couple who early retired 3 DECADES ago in 1991 and are still going strong. With one full 30-year retirement already behind them and a nest egg that is bigger than ever, Billy and Akaisha have traveled the world across decades, lived a great life, and have tons of stories and advice to share.

Billy and Akaisha at Chacala Beach, Mexico 2019 Annual Spending Update 29 Years and Counting
Billy and Akaisha Kaderli

About nine years ago we produced this video: Adventures in Financial Independence where we listed our annual spending and daily average. We like to keep up-to-date with our Readers as to what our current spending is ...


Akaisha and Billy with Decades of retirement under our belts Want to Learn about Retirement? Go to the Source
Billy and Akaisha Kaderli

Recently we have read articles on retirement in general - and early retirement in particular - in notable publications. What strikes us odd is that the authors might interview one retiree, and then three or four “financial experts” describing the risks that retirement entails.



A Lazy Afternoon in Puerto Vallarta, Mexico - Year of the Plague

Lush trees, manicured Plaza, boat on the water, hear the birds sing. Billy's in Puerto Vallarta, Mexico on this lazy afternoon during the year of the plague. Enjoy!

Bull Megaphone, Bulls Chant Into A Megaphone – “All-Time Highs” 08-08-20

Real Investment Report
Lance Roberts

Bulls Charge To All-Time Highs - As discussed previously in “Insanely Stupid,” we noted the market remained confined to its consolidation channel, but the bullish bias was to the upside.


A close up of a water lily in Thailand Medical Insurance - National, International, Private  
Airboats replaced swamp buggies

Everglades City Airboat Tour
Billy and Akaisha Kaderli

Southwest Florida has a very colorful history. The Everglades were filled with smugglers, outlaws, bootleggers, environmental activists, alligator hunters, songwriters and Gladesmen.


Looking out from the Sail Wharf to the beach of Puerto Vallarta, the Playa Olas Altas area. This is in the Romantic Zone. If you have never seen this are, it will give you some perspective as to where things are. Nice!

Billy and Akaisha in a tropical restaurant

How to Create Financial Sustainability for Yourself
Billy and Akaisha Kaderli

These days, no matter what the topic, the talk is all about sustainability. In regards to financial sustainability, there are 3 legs to the stool. Income, spending and Investments.


Billy and Akaisha bicycling on the Beach in Belize

Do Not Retire in Your Thirties
Billy and Akaisha Kaderli

Recently we read a MainStreet article titled Why Retiring in Your 30s Is a Terrible Idea for Anyone.

A Sleepy Morning in Puerto Vallarta, Mexico - At the Beach!!

A view of the beach from our hotel room. Billy shows you around the Plaza in Old Vallarta in the Romantic Zone. Quiet! Due to the Plague shut downs. Still, it's beautiful.


A Sophisticated Guide to Drinking Tequila
Akaisha and Billy Kaderli / AMAR Members

For most people in the United States and Canada, Tequila is a very misunderstood drink. Images of college spring-break kids shooting shots, and wet T-shirt contests with a headache the next morning usually prevent sophisticated people from pursuing the mysteries and finer pleasures that the National Drink of Mexico offers.





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Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.  –  Mark Twain


We took social security at the age of 62, should you?

Real peoples testimonials of our book. The Adventurer's Guide to Early Retirement

 Chapala Living Guide is based on our first hand eperience of living in Chapala, Mexico

This book could change your life...for the better, financially and health


Your Retire Lifestyle Mentors Ask us anything to help you

 If you are looking to retire and create your own farm we recommend visiting Silver Lake Farms

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The serenity of the water is stimulated by the joy of fishing. Journey with us into the life of angling at Catch and Fillet, for fishing tips, guides and reviews.

 Globo Surf




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Walk with Billy down the Puerto Vallarta Malecon!

REEEELY nice walk down Puerto Vallarta’s Malecon. It’s the Year of the Plague, and almost no one is there at this internationally popular Mexican Beach destination. Billy takes you by restaurants, palapas on the beach, the Sail Wharf, and you can see for yourself how beautiful this area is. Take a look!

Chart, Average annual household spending by age group How to Create a Pension for the Average Joe He's 65 years old and has as little as $200K Savings
Billy and Akaisha Kaderli

I know many of our readers are not “average.” However, if average Joe can support his retirement on as little as $200,000 savings, imagine what you can do with the amount you have!

Puerto Vallarta, Mexico - During the Year of the Plague

Billy flies into Puerto Vallarta for the weekend during the Year of the Plague. Meeting up with some friends, he's anxious to get to the beach and into the ocean!


X-ray of post screwed into my jaw

The Tooth Implant
Billy and Akaisha Kaderli

No matter how healthy one is, it seems we all require dental care. It's quite a relief to know that one can obtain quality oral care overseas and at affordable pricing. Below is Billy's story of his tooth implant.



What's Your Number?

How much money do you need to retire? Listen to this quick tip and find out!

Economic Refugees
Billy and Akaisha Kaderli

We meet them everywhere along our travels. From Thailand to Mexico, from Guatemala to Ecuador, even in Italy or Panama, people known as economic refugees are looking for a better lifestyle, lower cost of living and fewer regulations than what they experience in the States.

Financial Freedom Can Be YOURS!

No need to live paycheck to paycheck! Find out how YOU can obtain the financial freedom you crave. We have been living this financially independent lifestyle for 3 decades and can show YOU how to do it.

The expansive Zicatela Beach from above Flying High over Oaxaca AeroVega
Billy and Akaisha Kaderli

Our "Private" Flight from Oaxaca, Mexico to Puerto Escondido and back to Oaxaca City

We decided to take a mini-break from our lives in Panajachel, Guatemala and flew to the city of Oaxaca, Mexico. We had been here before in years past, and really enjoyed the beauty of the Historico Centro of the city, not to mention its wide variety of restaurants, mescalerias, museums and shops. Yet... the beach called us.


Top 5 Financial Benefits of Retiring Abroad

Planning your golden years is an exciting task and you’re probably looking forward to traveling or moving to a country with your ideal weather. Or possibly, the opportunity to live close to family and friends. Whatever your reasons, ...

Bar El Gavilan is OPEN again!!

After being closed for 4 months during the COVID shut down, Pati is finally OPEN again! During the shut down, Billy took up a collection to renovate the inside of the bar. Freshly varnished and painted El Gavilan is ready to serve you!

Akaisha and Billy On the Beach Saint Some Where Expat Living and Dollar Fluctuations - How to deal with Dollar Fluctuations when you live outside the US
Billy and Akaisha Kaderli

Let's say you're living outside the US and your fixed pension or Social Security is based in U.S. Dollars. If the Dollar takes a dive and loses value against the currency you are using, what might that decline of the Dollar mean for you?

Renovated Mercado in Chapala, Jalisco, Mexico

Our newly renovated mercado in the center of town. Gorgeous! Clean, friendly... Fruits, vegetables, restaurants, meats, chicken, fruit juices, cheeses and MORE!



One of the most beautiful places on the planet

Taxes for Expats

Four books on Mexico, a great value. Take advantage of our insights.

The Pacific Coast of Mexico Guide details our travels along the coast.

The Highlands Guide is all about Zacatetas, Guanajuato and Jerez


Want to go to Guatemala. This is the book to travel with

Thoughts about retirement in other locations? Guatemala, Mexico, Thailand and the US are compared.

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Our work was also featured on Caregiving Mag




Profile of Billy and Akaisha 38 year old retirees

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


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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