Retire Early Lifestyle

Retire Early Lifestyle
Retirement; like your parents, but way cooler


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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.




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Retire Early Lifestyle is a content based website that 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.

Just read your recent article. I couldn't agree more with your comments. In Canada and, I guess the US, we have been somewhat conditioned to believe that financial independence is just not a reasonable goal and that our only real option is to work for 40 + years and hope we have enough in our old age to survive. It seems to me that the critics of early retirement tend to assume that their personal worries and concerns are true for everyone. For myself, the challenge is determining what it is I really want to do now that I am retired. Thanks again for your thought-provoking articles and information.

Best regards, Richard

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Our Latest Adventure

Retire Early Lifestyle - Taking life with a grain of salt…and a shot of tequila!

The 4% Withdrawal
Billy and Akaisha Kaderli

I thought it would be a good exercise to see how our portfolio would have held up and performed during the 28 years of retirement that we have enjoyed. In this exercise, we would have stayed fully invested through all the markets' highs and lows. As you can see from the chart, our portfolio would have done quite well.

Traveling soon? Retrieve your mail from anywhere. We do!! Traveling Mailbox- Your mail anywhere.

Just Get Me to the Church on Time!  - A Wedding in Arandas, Jalisco, Mexico
Billy and Akaisha Kaderli

You can't taste tequila everyday, even when one is visiting through the Golden Triangle of Tequila-making. We are, in Arandas, Mexico, part of the glorious Mexican Highlands, having some dinner in an upstairs restaurant not far from the San Jose Obrero Church.

Financial - Independence - Retire - Early  = FIRE
Billy and Akaisha Kaderli

Here we are, well into our 29th year of financial independence, and according to the pundits it wasn’t suppose to be this way. We were supposed to run out of money, the 4% rule doesn’t work, and we would be bored. Yet, we’re still going strong. What do we know that they don’t?

Arandas, Jalisco, Mexico
Billy and Akaisha Kaderli

We have been traveling through the Golden Triangle of Tequila-making in the Mexican State of Jalisco. The finest tequilas in the world are produced here, and the countryside is filled with agave fields.

Real Investment Report
Lance Roberts

The “QE, Not QE” Rally Is On - On October 9, 2019, the Federal Reserve announced a resumption of quantitative easing (QE). Fed Chairman Jerome Powell went to great lengths to make sure he characterized the new operation as something different than QE. Like QE 1, 2, and 3, this new action involves a series of large asset purchases of Treasury securities conducted by the Fed. The action is designed to pump liquidity and reserves into the banking system. Regardless of the nomenclature, what matters to investors is whether this new action will have an effect on asset prices similar to prior rounds of QE. For the remainder of this article, we refer to the latest action as QE 4.




Our in-depth audio Interview with the Mad Fientist
Billy and Akaisha Kaderli

Before the Mad Fientist retired, he interviewed us. We were living the life of his dreams, and he wanted to find out more. Check out the interview here.

What are you guys doing for health insurance?
Q&A with a Reader -  I have been doing a lot of research regarding Worldwide Health Insurance and was curious what you guys were doing.

VIDEO - Tasting Three Tequilas at El Pandillo Distillery

Here we are at El Pandillo Distillery in The Golden Triangle of tequila production and we are tasting 3 separate blancos. Oscar, the chemist of the distillery is explaining the 3 blancos, all made exactly the same, but with different sources of water. Excellent distillery to visit.

Update - Why We Took Social Security at Age 62
Billy and Akaisha Kaderli

We decided to take Social Security at age 62. We know there are as many ways to consider this decision as there are days in a year. And many experts advise against taking social security “early” so that you get a bigger check at full retirement age. It is hard to argue against that. We have always lived an unconventional lifestyle and the fact that so many experts agree on waiting for payment gives us pause for thought. Here is our logic.

El Pandillo Tequila Distillery, Tasting Tequila

Oscar, the chemist at El Pandillo Tequila Distillery (the #1 maker of tequila in Mexico) shows us how to taste tequila. He has poured 3 glasses of blanco tequila from their distillery, each with a distinct flavor. The only difference is the water with which it is made. Incredible!


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The Adventurer's Guide to Early Retirement 4th Edition

Real peoples testimonials of our book. The Adventurer's Guide to Early Retirement

 Chapala Living Guide is based on our first hand eperience of living in Chapala, Mexico

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Profile of Billy and Akaisha 38 year old retirees

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All About Tequila Barrels - The Whys and Wherefores
Billy and Akaisha Kaderli

The making of tequila is both an art and a science, a lot more complex than I had ever realized before. Billy and I had taken a trip to the town of Tequila some years back and it was our first experience of learning about Mexico's National Drink. First a few basic points, then I'll tell you why barrels are used in aging tequila and why they are so important to the taste of this unique drink.

How to Double Your Social Security Check - The time to start is Now!
Billy and Akaisha Kaderli

The average monthly 2019 Social Security check is $1,422, which is $47.00 per day, or over $17,000 per year. Stories abound about how people are not able to live - or only struggle to get by - on their Social Security income in the United States. Even if they can manage to walk the budget tightrope, it’s not much of a retirement to look forward to and usually it's one that is supplemented with work. You can do better.

VIDEO - El Pandillo Tequila Distillery, Crushing Agave with Frankenstein

Tequila Distillery uses a modern day tahona called Frankenstein to crush the shredded agave. This releases the "aguamiel" or the honey water from the pina, in preparation for the fermentation process. Frankenstein is moved by a 1 horsepower motor!

#1 Rated- El Pandillo Tequila Distillery - Jesus Maria, Jalisco, Mexico
Billy and Akaisha Kaderli

We were serious. Many North Americans know tequila only by the College Students Spring Break activity of slamming shots down followed with a taste of salt and a bite of lime. But for those who know personally of tequila's finer pleasures, that exercise in getting drunk is discordant with the respect for Mexico's national drink. There is so much more to the story.




Referees Sports Bar
Billy and Akaisha Kaderli

Referees Sports Bar is a chain restaurant in Mexico. They do a great job with their food and service, and since we are in tequila country, their list of tequilas at the bar is stellar.

Hotel Romsevi'l - Jesus Maria, Jalisco, Mexico
Billy and Akaisha Kaderli

We are continuing our trip through the Golden Triangle of Tequila-Making, arriving in Jesus Maria. After a couple of days visiting Atotonilco (where we saw the boutique tequila distillery, Siete Leguas), we were excited to visit El Pandillo. El Pandillo is a family-run tequila business with an interesting history. But first, we needed to find our hotel.

A Classic Mexican Celebration - The Days of the Dead
Billy and Akaisha Kaderli

Primarily a Roman Catholic, Anglican and Greek Orthodox holy day, November 1, All Saints Day, and November 2, All Souls Day are commemorated in the United States as days of prayer for deceased souls. Generally a dignified and solemn day, we as a culture describe the passing of loved ones in shushed tones. We say they have 'gone to the other side' or 'passed on' and in mentioning this transformative state of those whom we have lost through death, we are expected to bow our heads, speak softly out of respect, and bear a compassionate, somewhat apologetic expression. Not in Mexico!

Jesus Maria - Jalisco, Mexico
Billy and Akaisha Kaderli

The town of Jesus Maria lies in the Golden Triangle of tequila production. About two hours east of Guadalajara, this town was on our list when we planned our own private premium tequila tasting tour.

Atotonilco to Jesus Maria, Mexican Highlands, Tequila Country!

We're driving through the Highlands of Mexico where distilling tequila and growing agave are one of the main industries of the area. Surrounded by agave on the right and the left, take a look at this area where Mexico's national drink is made.

Hooked on Adventure
Billy and Akaisha Kaderli

At nineteen years of age, it was the trip of my lifetime. One of my very first travel adventures was in the early 70s when I went cross country as a passenger on a motorcycle. My parents were probably terrified for me, but my boyfriend was a good driver, gasoline was $0.29 a gallon, I had $400 in cash and a plastic coat. What could go wrong?


One of the most beautiful places on the planet

 Four books on Mexico, a great value. Take advantage of our insights.

The Pacific Coast of Mexico Guide details our travels along the coast.


The Highlands Guide is all about Zacatetas, Guanajuato and Jerez

Want to go to Guatemala. This is the book to travel with

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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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