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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 4th decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.


Make your Money Last FOREVER!

Mary Beth Franklin

EXTREME early retirement

Billy and Akaisha Kaderli are old hands at retirement--ask them anything about saving, spending or traveling. But one thing may surprise you: their age. Sixteen years after they retired, they were both 54--almost old enough to satisfy the minimum age requirements of the active-adult community in Mesa, Arizona, where they still call home (when they're not traveling around the world).

When they were in their late thirties, Billy, a stockbroker, and Akaisha, a restaurant owner-turned-office manager, decided they were working too hard and paying too much in taxes. They vowed to save enough to quit in two years. "Every time I looked at a latte or a new pair of shoes, I decided I didn't need them," says Akaisha. "If you are clear about what you want, it becomes easier. You can either buy this or be days closer to your goal."

By 1991, they had accumulated about $500,000, including a $100,000 profit from the sale of their home. They put their belongings in storage and set out to see the world. After six months on a Caribbean island, they headed for South America. Returning to California a year and a half later, they bought an RV and wandered around the western states for two years. Then it was off to Mexico. They had planned to visit the Lake Chapala area for a few months and ended up staying four years. Since then, they've returned home from time to time to care for their parents, but have spent the rest of their time in Asia and the South Pacific.

What's their secret? This might sound like an extravagant lifestyle, but Billy and Akaisha limit their expenses to around $35,000 a year. They eat well and enjoy themselves but don't buy much "stuff." Their few big expenses include Akaisha's extensive dental care in Thailand and a laptop computer they use to update their Web site (, which attracts 10,000 visitors daily.

Billy and Akaisha on the tennis courts

Billy and Akaisha on the tennis courts

photo by Justin Steele

The couple invest mainly in low-cost index funds, withdrawing about 3% of the balance each year. They pay little in taxes because most of their income is from capital gains and dividends, which are taxed at a maximum of 15%. They haven't had to touch their IRAs, which would still cost them early-withdrawal penalties. "At this point in our lives, we are less worried about running out of money and more concerned about not having enough time to enjoy it," says Billy. 


Simplify A complicated lifestyle costs more.

Look beyond the border An attractive lifestyle can cost much less in many countries outside the U.S.

Track your spending and figure out where to cut. This is your life now, not a vacation.

Pursue low-cost entertainment such as hiking, bicycling and reading.

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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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