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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.

Poverty of Perspective

Billy and Akaisha Kaderli

I’ve never been poor, only broke. Being poor is a frame of mind. Being broke is only a temporary situation.

Mike Todd, Movie Producer, 1903-1958

Sugar white sands of Florida's Gulf Coast

Sugar white sands of Florida's Gulf Coast

I always enjoy my journeys to the States and this particular year was a bonus. Billy and I were able to spend a total of 10 weeks split between the pristine, sugar-sand Gulf Coast of Florida and the majestic, panoramic West Coast of California.

These longer stays allow us to settle into the rhythm of  daily life with family and to chat with their neighbors and friends. Because our visits are long and graceful, we are able to get personalized glimpses into viewpoints held by people in these communities.





We felt privileged staying in the manicured gardens of gated communities and in million dollar private homes. Showers felt like rushing rivers, original artwork graced the walls, food choices at markets were vast and fresh. Carpets were plush, air conditioners kept the temperature stable and professional housecleaners came regularly and on time.

But I noticed something disturbing on these visits.

Paradigm problems

Neighbors, family and friends were wealthy beyond a mere comfort level. We attended country club luncheons, enjoyed yacht harbors and played tennis in locations with an ocean view. Riding in plush vehicles, we had access to satellite radio, friendly GPS and hands free phone.

Yet, there was a so much disgruntlement with their lot in life.

With over $10,000 a month in retirement income, one man complained that he had no discretionary spending money. Another woman who lived in an immaculate community without so much as a gum wrapper on the sidewalks or streets, moaned continuously about how awful the maintenance and yard work was. One musician friend who was preparing for his European tour sat with us amid a large private flower garden and grumbled about smokers.





I wondered where they were.

“Oh no, not here, it was in…” and he named a city far away.

Where was all this sour dissatisfaction coming from? I asked myself. And why?

Fully packed refrigerated cheese display

Markets offered... Everything!

Poverty of perspective

One evening, I sat with my sister - relishing in our $30 a pound aged-steak dinner, with baked potato, fresh asparagus from the farmer’s market and imported, pricy chocolate for dessert. I mentioned to her this observation of deep discontent in the people I was meeting.

“It makes no sense to me,” she confided. “You seem so happy, so easy to be with and you don’t have any of this stuff,” she said as she waved with her arm across her hot tub, Koi pond, back yard lawn furniture and massive BBQ.

The Adventurer's Guide to Chapala Living

“It’s like the parameters are skewed. Personal balance is gone. Everyone has so much, but it’s not enough. Where’s the happiness?”

I reminded my sister that Billy and I have been traveling the globe for three decades. We have spent on on average around $30,000 a year. Could I eat more? How many more clothes do I need to wear? Is there a location I absolutely must see where I have yet to go?

We meet such interesting people and see spectacular scenery without it costing nearly as much as these people spend on maintaining their daily lives…

I started feeling like I was a walking cliché when I spoke to her about gratitude for what I have and for my internal freedom from feeling so much need.

My sister nodded in agreement, yet we both knew we hadn’t solved this poverty of perspective.

I could only think to myself that in these situations which I was observing, being poor really IS a frame of mind.

The Adventurer's Guide to Early Retirement, 4th Edition

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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