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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.

Having the Courage to Change

Billy and Akaisha Kaderli

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Billy and Akaisha Exploring Monte Alban, Mexico

Billy and Akaisha Exploring Monte Alban, Mexico

Itís a common theme.

Much of the email we get from our readers and those who enjoy our website speaks about the fear that holds them back from letting go of the life they know and moving forward into the retirement of their dreams.

The Adventurer's Guide to Early Retirement, 3rd Edition

The reasons cited can vary from the health care question to not knowing if there will be enough money to cover every imagined need in the future. Some people refer to possible boredom or concern of wasting their lives if they filled their schedules with endless rounds of golf and games of bridge.

Regardless of the differing reasons presented to us, what is shared in every one of these emails is the fear of change. All of us lust for that illusive guarantee of security. Itís part of being human.


Although not completely happy with the life we are living in this moment, the fear of modifying it in any way seems all powerful. Self-doubt eats away at our confidence and clarity; a poison that we generate from the inside.

We may work hard to placate those internal demons only to find that sometimes change is thrust upon us instead. Our spouse or a family member becomes ill, we get laid off from work, or we get caught in the swath of a natural disaster. No matter how hard we try, we cannot avoid something so inherent in Life itself.

Change is going to happen anyway, so why not choose the direction in which you want to go?

The Adventurer's Guide to the Possible Dream

If you stretch beyond your current description, things will certainly not stay the same. The unpredictability of change is that everyone we love may not choose to go forward with us. The new life you create will absolutely bring alterations in its wake. So we en-Courage you to choose excellence. Choose your best expression and move toward the life you want.

Itís impossible to know all the answers and if you feel the need for guidance in making a decision, ask someone you trust. Do the research required and find the information from organizations, forums, and library books that will calm that destructive inner chatter. However, remember, the decision is yours.

Claim it.


Take a look at our Preferred Links Page where we supply a solid list of financial and lifestyle forums, and websites for self-education for medical questions, insurance and financial training. Check out our Retirement Issues Page offering a selection of sage advice gleaned from our substantial experience in Early Retirement.

It doesnít matter so much how fast your life alters, but rather the direction in which you go. Bring the best of your past with you, and walk into your future with confidence, self-trust and enthusiasm.

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 Adventurerís 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 Ė the person who prizes their independence, values their time, and who doesnít want to mindlessly follow the crowd.

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