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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.

We Won the Lottery

Billy and Akaisha Kaderli

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Akaisha and Billy at Lake Atitlan, Guatemala

Almost thirty years ago – and some of you might just now be thirty - we embarked on creating ourselves a money machine that would last our lifetimes. What if we could receive enough income from investments so that we could travel the world and discover new horizons without running out of money?

Is this even possible?

Yes, it is and YOU can do the same.





By working hard, saving a lot and investing wisely we have been afforded the opportunity to live in numerous countries such as Thailand, Australia, Mexico, and Guatemala as well as the U.S. all the while our net worth and future income have increased.

We figure we have spent well over half a million dollars in retirement so far and have a higher net worth including inflation today than we did in 1991 when we retired.

How did we do it?

Heavily invested in the equity markets for the past 30 years, our average annual returns have far outpaced inflation and our spending has remained a small percentage of our net worth. Basically invested in the S&P 500, (SPY) has returned approximately 8% per year since our retirement date, plus a couple percent for dividends, totaling 10%. Inflation is roughly 3% per year. (I know the government figures are less but I use 3% to be safe), leaving us 7% to spend or reinvest. Fast forward to today, and now that we are taking Social Security, our spending percentage is nil.

Creating a money machine is very achievable for most people, and the best time to start is when you are young.





By investing in ourselves, traveling to places most people will never see and staying married, we won the personal lottery. Valuing experiences over stuff is our mantra. Stuff wears out and needs to be replaced, but experiences last a lifetime and are forever cherished.

OK… We didn’t win the actual Powerball lottery; we created our own financial independence. And we encourage you to do the same and reap all the benefits.

We may not be billionaires but we are rich beyond our needs and we are grateful for it. What could be better?

What's Your Number? - How much money do you need to retire?

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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

Retire 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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