Retirement; like your parents, but way cooler
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.
We Learned in 2020
Billy and Akaisha Kaderli
“Improvise, Adapt, and Overcome” - Marine slogan
have heard from friends and family how happy they will be to see the year
2020 in their rearview mirror. Can’t argue with that. Yet, in my opinion,
2020 brought us great lessons, from which we can benefit.
Solid plans often break
Often our Readers
will say they have just a few more things to settle, a few more
“I’s” to dot and “T’s” to cross before retiring. They’re waiting for the
health care issue to be settled, waiting for the bonus check next year, waiting to hit
particular financial number, waiting for next year to sell their properties,
... they’re waiting…
Personal Financial Independence was put off until this
imaginary perfect time, and then finally, for 2020 they planned a year of
travel. But BAM! COVID broke out or, in some cases, one of the spouses
became gravely ill with a disease and that not only shook them up, but
forced them to shelve all
yourself, “What are you waiting for and why?” Then ask yourself if you have a
Plan B for these unexpected situations.
of people wait until they graduate from law school, or get the degree or
wait until they get married, or until they buy that perfect house, or until they
hit that magic number to retire - in order to be happy.
live for tomorrow and forget all about the pleasures and happiness of today.
settling, start living. NOW.
You’re not going to get anything in Life by
safe. There are no
Lesson learned; Faith over Fear, Don’t Worry be Happy
We only have control of ourselves.
get push back on this one, sometimes. Usually it falls under the “You don’t
if you think about it, stuff happens.
We can’t control a loved one getting
ill, can’t control that our children or spouse don’t do what we prefer. We
don’t have a lot of say in international peace relations. Whether our
children get divorced, COVID breaks out, there’s a huge business loss or
politics don’t go our way - all we have control over - is our response to
you are feeling out of control on your moods, get help. There are lots of
tools to clarify your mind and
calm yourself down and lots of services
available to you. Don’t let the stress build up until you have an even worse
Lesson Learned; Life is not in our total control – only our response to it
Relationships were cemented or lost this year. Yeah, this was a big one.
again if you think about it, when you got married, had a child, moved
cross-country, got that promotion, contracted a serious illness, got
divorced, retired early or hit any other life milestone, did some
Life is change and sometimes your better future lies ahead of you,
without those loved people in them.
it IS difficult to let go of habits and people. We’ve all been there at
different points in our lives. It’s better to process the loss and continue
to move forward, creating the life of our dreams, than to become bitter and
angry over the loss.
my opinion, 2020 was a year of clarification.
I mean is, yup. Things fall away. Sometimes beloved things and people. I
think this helps us to focus on what really matters to us. This is a
blessing in disguise and you will be stronger for it.
Lesson Learned; As you grow, some relationships won’t make it into your
Fear seemed ever-present
we are afraid of something, chances are, we don’t know much about it. Our
perceptions are skewed because of this.
Remember the old saying – FEAR is False Evidence Appearing Real?
control and choose to find out more. The knowledge you discover will give you options
and open up doors for you. Question
the thoughts you are thinking and the beliefs
you are holding. Fear does not serve you in any way and will only
force you to contract, limiting your options even further.
is a choice.
and grow or contract and suffer because of it.
Lesson Learned; Fear is related to ignorance. Choose to learn more
People retreated into perceived safety.
There is no safety,
there are no guarantees.
Remember Helen Keller’s quote:
is mostly a superstition. It does
not exist in nature, nor do the children of men as a whole experience it.
Avoiding danger is no safer in the long run than outright exposure. Life is
either a daring adventure, or nothing.
can either live
your life or live in FEAR. Make the most of life every day.
It’s later than you think!
S&P 500 Index had an above average year outpacing the normal 10% returns. I
bet you didn’t see that coming. The fact is that none of us can predict the
future and can only
educated guesses based on past experiences, both in
the financial future and in our lives.
Lesson Learned; Life is a risk every day. Manage it.
Anxiety seemed to be everywhere
is a good one, and it surprised me a bit.
Living the “life of my dreams” I hadn’t realized that I was still carrying friction
and tension in assorted areas of my life. Billy and I started getting massages more often. I began going
to a chiropractor, and my customary yoga became more important. We upped our
exercise routine and I meditated more.
Anything that just didn’t “fall into
place easily” or no longer worked … we dropped.
gave us more physical energy and cleared our minds.
Lesson Learned; Make things easier on yourself in any and all ways.
Don't stop living your life.
things change beyond our control, we must find the advantages in the
situation and make the most of where we are.
cooked lovely meals at home.
Billy began a garden. We traveled locally and enjoyed the glorious weather
Chapala offers. We went out to breakfast on Sunday mornings, and I
spent more time at my art table.
We kept up a travel schedule in the Year of the Pandemic, adapting to changing
regulations. When others chose to remain in place, we saw opportunities in
bargain flights and empty hotels. We visited four countries on two continents.
January we flew to
Colombia, returning to
Mexico. Throughout the year we made six trips to
favorite beach, Chacala. Billy had a
shortened trip to
Guatemala due to COVID closures, and one trip to
Puerto Vallarta was cancelled. Akaisha visited
the US and then we flew and bused
Puebla, Cuernavaca and Oaxaca, only to return to
Oaxaca a couple of
weeks later. Billy flew to Puerto Vallarta then taxied up the coast to
Sayulita and once again to Chacala.
me, while 2020 was challenging in many ways, I learned lessons that I might
not have been able to absorb had it been an easier year.
Lesson Learned; Make the most of where you are. “Improvise, Adapt, and
Looking back at 2020 can you find some positives?
Akaisha and Billy at
Porfiriana Restaurant in Puebla, Mexico -
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About the Authors
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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About Billy & Akaisha