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.
Our Money Our
Billy and Akaisha Kaderli
run an award-winning
website, from time to time we receive emails from our readers
asking us if we are really retired. Some people sniff and say we
can’t be because we
sell books and have ads on our site.
We left the workforce
at the age of 38 in
1991, called ourselves retired and have been living off our
investments ever since. But apparently, there are rules one must follow in order to
actually assume the title of being "retired." The only thing is, those rules vary from person to
retired if you own several properties and receive rental income from
them? What if your passion is building boats and you sell one? If you
are musically inclined, play gigs and receive compensation do you still
qualify as retired? What about a
professional athlete who
retires and then receives income from product endorsements?
Some men consider
themselves retired, but their wives are still working, bringing income into
their household. Looking a little closer, we find that the husband is on the
wife’s healthcare plan. Does this scenario tarnish the title of being retired?
Some even say they
could never retire because they don't want to sit around “doing nothing” all day – as
if that is how we
are living our lives.
Who cares what labels
others place on you?
One of the reasons we
left the working world was because there were too many rules to follow. We enjoy
our freedom and like to decide on our own what to do with our time. In 1991,
there were no words to describe what we were doing. Back then, it was only
people like Bill Gates, or famous sport figures who would be described as
financially independent. It seemed that one
needed millions or more to assume
However, what does it
mean to be
financially independent? To us it means one is not dependent on a job
for a source of income. One can choose to work or not, as one pleases. And one
can decide what to do with their time without needing permission from a boss or
anyone, for that matter. If you want to start a foundation,
volunteer, pick up
a little cash here
and there by consulting, no one can make you feel that you have
somehow lied or let them down because you are supposed to be rocking in a chair
on the front porch or watching TV reruns.
Once you are no
longer dependent on a paycheck, all sorts of opportunities arrive. For instance,
we have been asked to be hosts for PBS fundraisers and to be world-wide tour
guides. Neither of these opportunities fit with our lifestyle. We did however
speak at an International Living conference in Cancun,
Mexico and helped opened
a Four Seasons Resort on the tiny island of Nevis West Indies. We also rated the
service and food at new residences being built in
Vietnam in exchange for lodging and airfare to Asia. These were great
opportunities that opened our lives and presented intriguing challenges. Are we supposed
to say no so that we won’t offend someone?
If you were to ask
100 people if they would like to be retired, you would get a variety of answers.
They would range from “No, I’d be bored” to “That’s for old people.” If you were
to ask those same 100 people if they would like to be
my guess is that you would receive a 100% positive response.
difference? It seems to be a matter of perception, but it also seems that to be
financially independent one has more options and wouldn’t offend anyone’s
decrees of what is “allowed.”
Call us what you
want. We consider ourselves to be financially independent, retired and free to
choose what we do with our lives.
After all, isn't that
what it's all about?
About the Authors
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.
Retire Early Lifestyle Blog
About Billy & Akaisha