Retire Early Lifestyle
Retirement; like your parents, but way cooler

Retire Early Lifestyle Blog  Free Newsletter Subscribe/Contact Us

Advertise on info here

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.

How Do You Know You Are Wealthy?

Billy and Akaisha Kaderli


What is wealth?

In 1988, when we were first contemplating leaving the traditional working world and replace it with a life of travel, wealth was described only in terms of having money and possessions. Our decision to create a lifestyle of our choice was met with controversy. Some friends and family disapproved, while others became angry or confused. In general there was fear, doubt and dire warnings of our social and financial collapse. That’s because our decision challenged everyone we knew.

In 1991, at the age of 38, we made the leap to our National Geographic lifestyle despite our peers’ advice. A decade later - after the Dotcom bubble burst and real estate values began to collapse - wealth became connected to having more control over our daily schedule. In these days, the buzz was all about “quality time” with those we loved or time to travel, to pursue a hobby or personal path of one’s choice.





Frugal was “the new black” and in vogue.


Life is not a One-Size-Fits-All. You are the only one who knows what’s important to you, what you value and what sort of life you dream to live. You are also the only one who can give that away or trade your dreams in because you are afraid or have lost belief in the possibility to make them happen.

For us, adopting this vagabond lifestyle has always been about Freedom; the freedom to choose where we lived and how long to stay; the freedom to sample different cultures for longer than a two week vacation. We were free to volunteer our time - and it became a priority because we were financially independent and didn’t have to concern ourselves with the basic needs of living. We discovered that amazing opportunities - in every category of interest - presented themselves to us, and we took advantage of them.

Billy and Akaisha on the tennis courts

Billy and Akaisha on the tennis courts, Arizona

This was the pot of gold we were seeking; Continental travel, global friendships, learning languages, living among the indigenous, enjoying traditional cuisines of the world and living history first-hand.

Money matters

To build a life of your own choosing, it does take some sort of financial cushion to make it happen. But one does not need to be “massively wealthy” to create a fulfilling lifestyle that is out-of-the-box of traditional description.





We are a perfect example of this as we would not be considered wealthy by means of financial measure. Case in point, we have chosen not to own a car and we don’t have a brick-and-mortar home with the accompanying pressure of mortgages and a home’s need for repair and maintenance. However we do consider ourselves rich because we live a life most only dream of. We have global experiences, decades of colorful memories, a developed sense of self-reliance and a belief in our future.

This is priceless.

The basics

Do you know how much you spend every month to maintain your current lifestyle? Are you carrying debt on your credit cards, for school loans, or cars? Have you ever tracked your spending to find out how much you pay out per year for housing, transportation, food/dining and entertainment? Do you know what you spend on a per day basis?

Knowing how much and where your money goes today, gives you the information you need to make necessary changes. These lifestyle decisions will help you to accumulate the finances to allow your dreams to blossom.

What’s next?

Save as much as you can and invest it wisely.

The only way your dreams can come true is to develop self-responsibility for the financial decisions you make. No matter what is happening in the world around you, or where you find yourself financially today, commit yourself to self-determination and move in the direction you want to go. Cut your losses short, learn from your mistakes and move forward.

Billy on top of the roof in Santa Ana, Guatemala

Billy on top of the roof in Santa Ana, Guatemala

If you think all of this is too far out of your personal reach, we say this: Never underestimate the power of passion and persistence. These qualities are the “great equalizer.”

Passion for your dream and your persistence in making it happen will do more for you in the long run than a big paycheck or a lucky break.

The future is YOURS to be had, and no one can take it away from you unless you allow it. Hard work, human decency and a little ingenuity can take you anywhere. This is a fundamental view for those who achieve success.

Follow YOUR Dreams

What's Your Number? - How much money do you need to retire?

For more on Retirement Topics, click here and here

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

Trending on Retire Early Lifestyle


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.

HOME   Book Store


Retire Early Lifestyle Blog      About Billy & Akaisha Kaderli      Press     Contact     20 Questions     Preferred Links     Retirement     Country Info    
Retiree Interviews
      Commentary     REL Videos





Subscribe Newsletter