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 23 years
ago at age 38, We ask ourselves - Was it worth it?
We are fast
approaching the beginning of our 24th year of retirement, and we look
forward to 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 seven
years ago. Still this would have qualified us for “early retirement”
by most definitions. Assuming things would have been the same,
I wish lunch could last
forever in Phuket, Thailand
financially we would
be much better off had we continued working. With a house and our
cars paid for, living near a beautiful beach with great weather in
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 over two decades later
with the aches, pains and caution that ageing brings, would we still
Invited into a family's house in Ganlanba,
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 we have lost several to unexpected death. 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-three years, we have garnered a wide range of
experiences and 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, Mexico and Central America and traveled
through all extensively. 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.
Having way too much fun
in Chiang Mai, Thailand
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
. Opportunities to help or mentor others are
reward is much more
gratifying than a paycheck.
After over two decades of
retirement, suffice it to say that no amount of money can replace
the accumulation of knowledge, skills and
confidence that our adventures have given us.
One the road in Luang Prabang, Laos
So here we are
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
61, we have had one heck of a ride over the last twenty some years and we
eagerly look forward to our next decades of upcoming journeys and
So, was retiring at
the age of 38 worth it? We can only say a resounding YES!