R E T I R E E A R
L Y L I F E S T Y L E
~ S I N C E 1 9 9 1 ~
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.
Was it Worth It?
Billy and Akaisha Kaderli
Retiring 20 years
ago at age 38, - Was it worth it?
It’s the Holidays,
a time when it’s customary to reminisce over our lives. As we fast
approach the beginning of our 21st. year of retirement, we look to
the New Year and wonder what the future might bring.
During one of our
private two-hour lunches, Akaisha brought up the topic: “Was
retiring early at the age of 38 worth it?” Wow! What a question. We
each have had our share of personal ups and downs in life - before
and after we retired. It was a subject worthy of discussion.
If we had stayed in
our careers until the “normal” twenty years of service
in the corporate world,
that would have us retiring in 2006 at the age of 54, a mere four
years ago. Still this would have qualified us for “early retirement”
by most definitions. Assuming things would have been the same,
financially we would be much better off had we continued working.
With a house and our cars paid for, living near a beautiful beach
I wish lunch could last
forever in Phuket, Thailand
California, a corporate pension, plenty of stock market assets and
cash, it would seem that we would be wanting for nothing.
Health wise, who
knows? The stress of working high pressure jobs most likely would
have taken a toll on our physical health. And two
Invited into a family's house in Ganlanba,
decades later with
the aches, pains and caution that ageing brings, would we still be
as adventurous and willing to try new things in retirement?
And then, there is the question of whether or not we would
still be together. Many of our friends are on their second
marriages, and this could possibly have happened to us as well.
Of course these are all
hypothetical notions as this is not the way it happened.
However, had we retired from the workplace in 2006 with a
portfolio “traveling in style, having the
good life and
we would have been sitting pretty until the markets took one heck of
a fall in 2008. With the S&P (SPY) Dow (DIA) and NASDAQ (QQQQ)
all dropping over 38%, the shingles of our financial house would
have been heartily shaken, making us ponder if we did the right
thing by leaving work early. Is there
ever the perfect time to retire? And how do you know?
Traveling the world
for the past twenty years, we have garnered a wide range of
have tested our
mettle. How do you put a price on first-hand education and twenty
years of living around the globe?
Since we stepped out
of the corporate box in 1991, we have sailed the Caribbean, lived on
exotic islands, RV’ed the Western United States, learned skills like
Thai massage, scuba diving in the West Indies, and built tennis courts in the heart of
Mexico. For years at a time
we have lived in
Asia and Mexico and traveled
through both extensively. And this is not on a tour or a
two week vacation but
getting down and dirty with the locals, many times being invited
into their homes for meals or to spend the night.
When the call came to do
End of Life Care for our parents, we had
the time, the energy and the patience to do so full-time, something we could
never have done while holding down stressful jobs.
consider ourselves to be global ambassadors, living
nowhere. Our style is to dive into
local cultures like a roaming, self-generated Peace Corps, putting
in thousands of volunteer hours teaching English, business skills
and sporting activities, leaving the place better than we found it.
And the learning is not just for them. Our maid is teaching me
authentic Mexican cuisine and Akaisha and I continue to explore
digital gadgetry as well as improve our foreign language abilities, and travel
techniques. Much of this we photograph, and journal on our website,
. Opportunities to help or mentor others are
Having way tooo much fun
in Chiang Mai, Thailand
reward is much more
gratifying than a paycheck.
After two decades of
retirement, suffice it to say that no amount of money can replace
the accumulation of knowledge, skills and
One the road in Luang Prabang, Laos
confidence that our adventures have given us.
So here we are
getting ready to launch into our third decade of living this
lifestyle to the fullest, tasting flavors from exotic locations and
ready to meet life’s challenges. While our finances might
not reflect the
substance of those who continued to work, no one can take away the
dance we’ve danced.
The future is always
filled with surprises whether one is working or retired. Life with
its challenges never stops. However we can rest assured that at age
58, we have had one heck of a ride over the last twenty years and we
eagerly look forward to our next decade of upcoming journeys and
So, was retiring at
the age of 38 worth it? We can only say a resounding YES!