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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.


Media Interviews with Billy and Akaisha

Billy and Akaisha in a lancha on Lake Atitlan, Panajachel, Guatemala

Billy and Akaisha in a lancha, on Lake Atitlan, Panajachel, Guatemala

Meet Billy and Akaisha - 81 second video

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Our successes in both the Brokerage and Restaurant businesses afforded us the opportunity for early retirement at the age of 38. This was a bit unconventional, especially four decades ago, but that is only part of the story. 

We had many interests to pursue while we were still mentally and physically flexible. A few of these choices were global travel, foreign cuisine, native people's artwork and customs. Journaling and photographing these travels from a unique perspective and placing them on our website made it easier to remain in touch with family and friends. Interesting and packed with information, this collection could be of value to you. All comments are welcome. 

Whether it's Dick's Bar on the tiny island nation of Nevis, West Indies, volunteering in Mexico, the Grand Palace in Bangkok, Thailand, cruising on Halong Bay, Vietnam, or getting to know the Maya in Guatemala, we have tales to tell.

Enjoy them, and perhaps our paths will cross someday!

Billy and Akaisha Sipping Coffee in Hanoi, Vietnam

Sipping Coffee in Hanoi, Vietnam

In late 1979, we purchased LUTHER'S, a 43 seat restaurant in the seaside community of Santa Cruz, California, near the yacht harbor. For 10 years, we owned and operated this restaurant, bringing it to local fame. For the first 5 years, we worked as a team; Billy, the Chef, and AKAISHA, the CEO. Dean Witter took a keen interest in Billy, recruiting him for their brokerage firm. Eventually, Billy became Vice President of investments, and branch manager of the Aptos office. Meanwhile, Akaisha continued to operate the restaurant on all levels, which was open 365 days a year, breakfast, lunch and dinner.

In 1989, we assessed our lives, our dreams and our bank balance. Making some bold choices, we decided to get on track to becoming early retirees. In January of 1991, at the age of 38, we retired and moved to Nevis, a 36 square mile dot in the West Indies. From there our perpetual gypsy schedule began, traveling through the West Indies, Venezuela, US, Canada, Mexico, Central America and many nations in Asia.

We met and married in Santa Cruz, California over 4 decades ago. BILLY was a trained and certified French chef, having trained in The Celestial (3 Star) and La Maisonette (5 Star) restaurants in Cincinnati, Ohio. During our travels to Europe in 1979 for 6 months, we pursued Michelin Guide restaurants and their chefs. Upon returning to California, our intention was to buy a restaurant, and incorporate this food, wine and recipe research. A keen interest in food has always been a priority.

We have visited and/or lived in scores of countries, gathering stories and photos along the way.

In 2005, we wrote our first book, The Adventurer's Guide to Early Retirement, A Common Sense Approach in order to answer the many questions asked of us over the years. Often these questions were similar, and many people had the same concerns or doubts about their own retirements. Therefore it was more convenient to have our story accessible in one location offering our approach as a template for those interested in implementing their own retirement plans. This popular book, sold in over 40 countries around the world, has been updated in 2023 and is now in its fifth edition, The Adventurer's Guide to Early Retirement, A New Perspective

In 2010, we wrote the book, The Adventurer's Guide to Chapala Living answering many of our Readers' questions about this remarkable place, and how to prepare for a first trip to this number one expatriate destination. In 2023, we updated this very popular book and now have the 3rd Edition.

Our Adventurer’s Guide to Destination Choices compares Mexico, Guatemala, Thailand and the U.S., highlighting the pros and cons of these countries as retirement destinations.

The Adventurer's Guide to the Pacific Coast of Mexico and The Adventurer's Guide to Mexico's Highlands both detail our route, the places we stayed, prices we paid and the history and culture of these locations in Mexico.

Your Retirement Dream IS Possible was written in 2011, and is a must-read for anyone who dreams of retirement but worries that their plan has been derailed. After reading this book, you'll come away not only with a solid financial plan, but the courage and know-how to take the leap into the life you want.

The Adventurer's Guide to Guatemala, written in 2012, is an invaluable guide if you want to travel to this often overlooked retirement destination. We cover Maya ruins, island cities, exploding volcanoes and we include hundreds of photos. necessary information such as Hotels, available transport, grocery stores, restaurants and entertainment, information on medical clinics, hospitals, pharmacies, dentists, visa services, Spanish schools, banks, immigration offices, entry and exit locations to Guatemala are listed along with the prices we paid. 

The Adventurer's Guide to Pana Living - Living in Panajachel, Lake Atitlan, Guatemala was written in 2015 and is the most comprehensive guide to Panajachel currently available. If you would like a unique style of retirement, living alongside an ancient Mayan indigenous culture, with one of the most beautiful lakes in the world as a feature point, Panajachel, Lake Atitlan, Guatemala is worth a look.  

Since then, we have become contributors to financial newsletters like The Motley Fool Rule Your Retirement, and travel and news magazines such as International Living, Living and Investing Overseas, and Escape From America. We also post our pieces on AMAR After Fifty Living, Frayed Passport, and others. Bob Clyatt featured us in his book, Work Less, Live More as an example of retirees on the move. We've been interviewed on TV business shows from Cincinnati, Ohio to Phoenix, Arizona., SmartMoney  USNews and World Report Kiplinger, MarketWatch, NerdWallet , Minyanville and more all found our early retirement story to be inspiring and informative. These podcasts and financial blogs also were intrigued by our story: Financially Alert, Millennial Revolution, ESI Money, The Changed Physician, Mad Fientist, and more.

Because our story is so unique, Kiplinger's Personal Finance Magazine interviewed us as part of their cover feature, Make your money last FOREVER! You can read about us here: EXTREME early retirement

Clark Howard, a nationally syndicated radio talk show host, was also impressed with our story. He wanted his listeners to benefit from our years of experience, and so interviewed us on his radio program.

We have been published or interviewed in various newspapers and digital media around the country and the globe, Deseret Morning News, Salt Lake City Utah, The Arizona Tribune, FOXBusiness, and BoomersTV, Redefining Life After Fifty!. And our story was featured in an interview by Nicole McGregor on 12 News Today, KPNX/NBC, Phoenix, Arizona. CNBC loved our story and our financial advice.

We also have a video available on our website, Meet the Kaderlis, which we believe you will find both motivating and of practical use.

We want to emphasize that no one knows what tomorrow will bring. There are many ways to live a life, so make the most of it! Our advice to you is:  Embrace your future! Follow your dreams!


About the Authors

Billy and Akaisha Kaderli are recognized retirement experts and internationally published authors on topics of finance, world travel and medical tourism. 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 show host Clark Howard,, SmartMoney, Minyanville, FOXBusiness, USNews and World Report, CNBC and countless newspapers and TV shows nationally and worldwide. With the wealth of information they share on their popular website, they have been helping people achieve their own retirement dreams since 1991. Continuing to journal and photograph their world travels, Billy and Akaisha have home bases in Thailand, Mexico, Guatemala and the U.S. They have been married over four decades, and enjoy the world of finance, fine cuisine, photography, and publishing, playing tennis, volunteering, traveling and learning about native peoples.


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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