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 The Adventurer's Guide to Early Retirement 5th Edition

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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.

5 Steps for Millennials to Become Financially Independent

Billy and Akaisha Kaderli

Rooftop view of the ocean from our hotel, Zicatela, Mexico

A Dream Beach Location

Becoming financially independent is a worthy goal no matter at what age one achieves it.

If you are a Millennial, where do you start?

Save and invest

We say save until it hurts and then save some more. Take that money and invest in index ETFís (exchange traded funds) like VTI or SPY. Investing in low/no cost ETFís will create you a money machine which will, over time, finance your future. Itís better to save and invest a few of those Benjaminís today than to blow it on physical stuff that goes out of date yearly.

Resist peer pressure

Which brings us to one of the biggest derailments to financial freedom: keeping up with the spending of your friends.

Resist peer pressure to consume any chance you can. When your friends are all showing off their latest phone, digital gadget or new car, try not to get caught up in envy, but instead, recommit to your financial goal of personal independence. While they are still paying down debt years later, you will be personally and financially free to live the life of your choosing.  





Yes, it takes some focus, but the rewards are enormous. We did it and you can too.

The cost of spending

Think about the cost of spending. Instead of making $1,000 vacation purchase, consider what that amount would be worth if invested for 30 to 40 years? Sure, you might have a blast on your holiday, but once itís over and the credit card bill arrives, the memories quickly fade and the stress is on to pay that bill off. Instead, bank it, invest it, and let the money work for you.

Find a financially compatible partner

Another key component to building your financial freedom is to find a like-minded spouse, marry them and STAY married. Relationships can be challenging, and sometimes difficult, but give it your best to figure it out and stay together. Then, as a team you can continue on your road to financial independence. An old jazz standard is, ďItís Cheaper to Keep HerĒ; two-for-one splits can sabotage your financial freedom plans.

Get advice from the source

More and more people are becoming financially independent at a younger age. Websites abound with information and advice based on their personal experience. Donít overlook retirees who have successfully left the working world with money in the bank and investments supporting their lifestyle. They may be able to give you some useful insight and can open your world. Be receptive to advice from those who are actually living the life, not just financial planners who are still working and who can sometimes lack imagination.





Dream big

Dream and dream big. Talk about your financial future with your spouse, not your peers. Peers will think that you are bragging and often times will not take you or your plans seriously. Create an image and a lifestyle that both you and your partner can picture. Lying on beaches around the world, scuba diving, climbing a mountain in foreign lands, sipping on wines in France, learning new languages, biking in South America, relaxing in the perfect climate, and all the while not worrying about how you can afford it. Only you can paint that picture as itís different for all of us. But go to that place in your mind and go there often. Hold on to that vision.

For us it was our personal freedom to spend our days as we wished and to travel the world experiencing different cultures, different foods and spectacular landscapes. This has been worth every one of the sacrifices we made decades ago. 

Focus on these goals together and your momentum will build. You, too, can achieve the land of critical mass where financial freedom is bliss and retiring early is a reality.


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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 Adventurerís Guide to Early Retirement and Your Retirement Dream IS Possible available on their website bookstore or on

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Retire Early Lifestyle appeals to a different kind of person Ė the person who prizes their independence, values their time, and who doesnít want to mindlessly follow the crowd.

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