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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.

How to Budget for Wanderlust in Retirement

Q and A with a Reader

Hi Akaisha and Billy

Thank you for your time and  further valuable information. 

I come from India and hence have a fair good estimate of the costs associated with Housing, Transportation, Taxes and Food/ Entertainment. In India, fortunately these are relatively cheaper with good access to medical care as well. I have been fortunate to own property in India that shall give me sufficient rental income to support these costs.

It is just my wanderlust that I am unable to estimate the budget for as I really want to see all continents as a traveler/retiree. I will surely do more research around retirement in India, especially around communities.   

Thank you once again for taking out time to respond.

At market in Hoi An, Vietnam

Florist in Ho An market, Vietnam

As of now we are in Dubai and if you happen to travel to/ through UAE, we shall be happy to host you.

Take care and stay safe!! God bless



Untouched, natural beaches in Cabrera

Beach in Cabrerra, Dominican Republic





Hi Rajat,

Thank you for your latest email, and for your willingness to host us, should we ever get to UAE! What an amazing country. Thank you!

You mentioned that you were unable to estimate your travel costs while in retirement - I understand that some retirees have a special budget for that.

For Billy and me, we travel as a lifestyle and we keep a running average of expenses, both daily and annually. Also we keep a two year trailing average.

We don't have a separate stash of money set aside for travel.

Historic District Plaza, Quito, Ecuador

Historic District Plaza, Quito, Ecuador

Again, if you modify those categories that I mentioned previously and track your expenses you can incorporate travel into your lifestyle and know immediately if you are going over your desired daily or yearly average.

Do you know what Geo-arbitrage is?

That's when you utilize living/visiting in low-cost countries (perhaps India!) to bring your cost of living average down.

For instance, if Billy and I go to Paris, Norway, San Francisco, etc, with a high cost of living, and it blows out our daily average, then we spend time in Mexico, Guatemala, or Asia to bring that daily average back down.

In your case, you would be living in India with a low cost of living and then visiting other countries adding the cost of transportation and lodging to your daily average. This would temporarily make the (yearly or daily) average rise. But then you return to your home country of residence, and the average drops once again.


Indigenous in Otavalo, Ecuador





This is how you monitor those costs.

We knew of a woman who retired and then for the next 5 years she did all these expensive trips without watching her spending. She didn't understand how she could continue her retirement in this manner because she was rapidly running out of money.

The thing was... She was traveling as a tourist and not doing her daily averages.

You might want to read this article again - It's a Lifestyle, Not a Vacation. It will give you some insight to work with.

I hope I was able to present this clearly and usefully to you.


Animal market, Ecuador

Let me know if you have any questions.

Thanks for keeping in touch, Rajat and let us know how you are doing.

Best Regards,


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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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