Retire Early Lifestyle
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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.

What People are Saying




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Billy and Akaisha's inspirational message to their readers is to live life on their own terms and pursue their passions and desires, rather than being held back by societal norms and expectations. They encourage people to take control of their financial future, so that they can live a life of freedom and fulfillment. They also emphasize the importance of living a balanced life, with a focus on health, relationships, and personal growth. Overall, their message is one of living life intentionally and embracing adventure, while striving to find joy, purpose, and happiness.


The Adventurer's Guide to Early Retirement, A New Perspective, 5th Edition is the ultimate guide for those seeking to break free from the traditional 9-to-5 lifestyle and embark on a journey of financial independence and personal fulfillment. This updated edition includes new strategies and case studies, as well as a focus on sustainable living and alternative income streams. Whether you're a young professional looking to retire early or a retiree seeking to make the most of your newfound freedom, this book is a must-read for anyone looking to live a life of adventure and purpose.

Alan Compton


You guys are an absolute inspiration and I love your book. I’m going to recommend your book to anyone who is interested in this field to go out and get it.

It’s the best.

Your Newsletter is just great too. I would recommend it.

Dr. Kevin Cuccaro


The Kaderlis have brought so much knowledge of retirement densely packed into their 5th edition of the Adventurer's Guide to Early Retirement, A New Perspective. It is worth taking a look at their book. If you purchase from their website, you will have a personal connection with them, be able to ask them questions and they will sign you up for their FREE Newsletter.

Dr. Melissa Cady, The Changed Physician


"The Adventurer's Guide to Early Retirement" is one of the best financial resources I have come across. Be it preparing for early retirement, 'regular' retirement, or just learning how to take control of your finances in general. I am a licensed and registered investment advisor who has access to and read a lot of investment resources and this guide is a spectacular one. 

For the cost of 'The Adventurer's Guide to Early Retirement' there is not a better or more accessible option available that covers the breadth of knowledge and provides the resources Billy and Akaisha do. This guide combines 'Your Money or Your Life' and any number of the books oriented along the Boglehead investing method to provide practical, implementable and customizable steps to transition from a standard salary-based lifestyle to financial independence. It certainly leans towards adventure and travel, but anyone who wants to take control of their finances and gain some independence will benefit from this book. 

Regardless of if you are just starting out, have a nest egg prepared, or may already be retired or semi-retired, this guide will be not only informative, but provide you tools to improve where you are right now. This guide covers planning and preparations as you take control of your finances and work towards financial independence. It covers maintaining financial independence once you have quit the 'rat race'. And, perhaps most importantly, it goes further and delves into some of the psychological aspects of financial independence that very few, if any, other books do. 

Billy and Akaisha help you transition your thinking from the common dry, static 'retirement as a goal' to becoming financially independent, a much more dynamic lifestyle where you take control and have the ability to engage in fulfilling and meaningful activities. I work with many people whose main goal is retirement. I am consistently amazed when they do retire how stressful many people find it because they spent no time planning what they were going to do with all this 'free' time. Billy and Akaisha convey how critical planning for this is, both as encouragement in planning and working towards FIRE, as a potentially unique way to develop a financially sustainable lifestyle once you achieve FIRE, and most importantly, so you develop a meaningful and fulfilling life during your financial independence. This is not a book about retiring to play shuffle board. This is about gaining freedom, controlling your destiny and finding fulfillment. 

Billy and Akaisha bring up very practical retirement questions standard retirement books focused solely on finance do not. Questions like how will FIRE effect your family: your children, parents, etc.? Should you maintain a home? A car? How can you get around without a car?  How to find like-minded people and work with them to help progress your journey to FIRE. Even medical tourism. They also encourage you to carefully consider if FIRE is even right for you, it's not for everyone.  

This guide provides practical, implementable and customizable steps to transition from a standard salary based lifestyle, to financial independence. I especially enjoy that it contains customizable links to pre-made spreadsheets to help you manage your FIRE journey. They teach the importance of time and compounding, how to pay yourself first and resist 'Groupthink' to consume and to work hard, but also work smarter, make that money work for you!

Whether you want to retire early, just want to retire at 65, or need a solid place to begin your journey of becoming financially literate, this book will help you achieve that AND enjoy it more. There is simply not another resource like it around. 

Andy F - licensed and registered investment advisor


I was really glad to see that the Kaderlis came out with their 5th Edition.   

Incredibly, they have put even more information and insight into this book, The Adventurer’s Guide to Early Retirement, A New Perspective. This book causes me to frame my retirement differently, and I’m excited that it has given me that extra push to retire sooner rather than later.

In their conversational, authentic style, they have made the complicated matter of retirement easy to understand.

Thank you, Billy and Akaisha!

Marjorie L.


Amazing practical easy to read book. For anyone looking to retire early and be financially independent this is the best guide out there from the people that have lived it for over 30 Years!


Thank-you for the braves, Billy and Akaisha, who gave all of us a better view of the future financial crystal ball…thank-you, thank-you and thank-you! FIRE walkers


Very exciting story.


Hola! I have been a long time subscriber and love your work and influence. I retired from the corporate world a few months ago at 47 and we moved into our condo in Puerto Aventuras (mostly) full time as a permanent resident of Mexico. THANK YOU for all of your posts, videos, books, etc… these things validated the “retire early” option for my wife and me and made our new life possible together! I wish you all the best, and am grateful for our connection in this world.


One thing I like about your common-sense approach is that you acknowledge the risk and address it however makes sense!



An amazing experience, one that many dream of, yet few ever have the courage to do. Your life’s journey is the most enlightening read and I thank you for sharing. Wishing you the Best for your future retirement endeavors.



Great profile of what retirement can look like. Certainly you’ve had a “watch this” life and your story makes a difference from where I sit this morning. Thanks for that.



So, YOU are the True Pioneers! Thank you so much for sharing your inspiring, thought-provoking and brave story.



Absolutely fantastic story and this is undoubtedly the most audacious, ballsy, inspiring retirement story interview I’ve read anywhere. I especially appreciate your comment about you retiring right into the start of the gulf war & how there is no such thing as a perfect time.



Billy & Akaisha, With your help, I made the leap into FIRE in March at age 59. Your website was one of the first I started following several years ago and you helped me build confidence to turn in my corporate cell phone and stop spending my life on conference calls. I figured if you guys could really live happily on $35k/yr, my wife and I could certainly do it on $50k or $60k/yr.

Followed your advice and sold our 4 bedroom house in May to minimize expenses and we’ll be able to live comfortably on a mix of equity and 401k withdrawals until social security kicks in. Looking forward to rediscovering the leisurely international “slow travel” adventures we had when we were in our 20s. Sure am enjoying not waking to an alarm clock every day!



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I just finished reading The Adventurer's Guide to Early Retirement. It was a great read and touched on many of the topics that keep me up at night!

This quote from your book really resonates 'after all we had achieved, we no longer had to prove to ourselves or to anyone else that we could accomplish goals, make money, entertain well, have great artistic appreciation or pick a notable bottle of wine. At this point we were looking for more personal fulfillment, a different kind of life. We needed one with an unconventional focus: travel, adventure, challenge and new opportunities, calling the shots of when and where to go, doing what we wanted to do, and choosing how long we wanted to stay. The notion of filling our days with alternative priorities like heading projects, learning, challenging our personal limitations of food, language,  lodging and cultures thrilled us. These were different goals to what others had, and most of our friends and family could not relate'.

When I read it to my husband he said 'I really couldn't have said it better myself', this is exactly why we are selling our house in the fall and plan to retire in Jan 2018. We have started telling friends of our plan and the reactions are mixed as you have experienced with your own friends.....we know we'll maintain the strong friendships and make many more as we travel. 

My fear, of course is the market tanking and running out of money....we are Canadian and have wonderful health insurance which we have to spend 5 months of the year in our home province to maintain....we have a lake house that is mortgage free and will be keeping that as a home base (very similar to you guys). So this will keep the living expenses down for the 5 months that we are here. Like you said, we just have to take the leap and have faith! I can't wait to get this new adventure started!!!!

Thanks again for all of the wonderful information and valuable insights!!

 All the best, Cary Noble


My husband and I bought your first book, The Adventurer’s Guide to Early Retirement, years ago which sparked a huge interest in early retirement. We will retire (in our 50's) in 2016 and put our house up for sale. We just bought our RV which will become our new house on wheels. We'd like to explore the US then go international. I want to thank you for planting the seed which we've been watering since. Looking forward to reading your new book, The Possible Dream.

Here’s to new experiences and to new friends. - Sonia


I bought your book one year ago, Your ebook is very motivational and inspirational for the people who want to take early retirement and travel. Your travel photos are awesome and great inspiration. Your passion to travel is highly appreciable. You and your lifestyle are role models to me.

Naidu Sanapala


I have just finished reading your book, and it is fantastic!  Thanks so much for taking the time to write it and share your experiences and knowledge.

I now have the most important and interesting book that I've ever owned (next to The Millionaire Next Door).  I have a five year plan to retire to Thailand, and I can hardly wait to go.

You and Billy have helped me realize that I DO have enough money NOW to live my dream, and after making some changes, I can continue to enjoy my life!  I haven't had the time yet to check out the links listed in the afterword, but I have never enjoyed reading a book so much!!!

Thanks again and thanks for sharing your life with all of us!
Sherry Johnson


Your last e-mail was so thoughtful and helpful that you have given us plenty of work yet to make good decisions about future directions for our life as a couple. We appreciate your responses as the generous gift that it was from both of you and want you to know that we did not receive it as just another e-mail.
My son, age 23 gave us your book as a gift over the holidays and we are both enjoying it and doing the introspective thinking that your writings prompt in us. My first impression was that the book also has value for our son to read.

When Andrea and I were in school we were really kind of brainwashed into thinking that our lives would consist of many years of hard work, slow progressive advancement in some type of organization and if we were lucky--retirement after many years. Between studying your website and reading your book it dawned on me that maybe our son could thoughtfully select his course of study and plan his finances with a different perspective.

At an earlier life stage he could also short circuit the conventional model that traps people working too long with too little fun along the way. Too many (Americans especially) work, have 2 weeks vacation a year or less, then spend years in poor health during retirement. My parents exemplify that model. In the end they had money, time and no health. By the time they stopped working, old age stepped in.

Anyway, we are enjoying that your ideas open up new possibilities. Certainly, one size does not fit all and there are many ways to solve the issues of working, living and retirement.

Thanks for leading the way and blazing the trail.
Yours truly,
Dave and Andrea Caufield Sarasota, FL USA


We recently took an early retirement "test drive" to Thailand. We've read your guide from cover to cover (figuratively speaking), and have spent many hours on your web site doing our research.
We spent 4 days in Chiang Mai and 4 days in Phuket.  Chiang Mai is a great alternative to the chaos of Bangkok. It has a great laid-back feeling that is more representative of "true" Thailand. We stayed at the Thapae Gate Guest House, across the soi from Top North. The price was only $10 per night, and the staff was great.   
In Phuket, we stayed at Kata Sun Beach Hotel as you've recommended. It was everything you said it would be - clean rooms, friendly staff, excellent location, inexpensive. It is truly a superior value.
Being based in Hong Kong, we are really fortunate to have such great places almost at our doorstep. We're definitely now sold on early retirement, and will be making our preparations to early retire in less than a year.
Thanks again for all your inspiration and helpful information.   
God Bless.
Mike Dwyer and Precy Manzano
Early Retirees in Training


You two have been quite the inspiration - and when work clearly became a choice to keep my blood pressure up - purely for money - I realized that I did NOT have to do that job anymore.  So I've given my 2-weeks notice and my wife is worried about my sanity, but we're jumping off the cliff with a nice parachute and hoping for the best.  Of course, the fact that the stock market has crashed pretty-much every day since I decided to jump - hasn't helped, but I am realizing that, just like having children, VERY few people ever reach that point where they consciously think "I'm ready for this" - yet people become parents all the time and they deal with it.  I think that retirement may be much the same: if you aren't careful, you can talk yourself *out* of retirement - day by day - until you've wasted YEARS... DECADES... and it's too late.  It's scary - but I'm now more afraid of wasting my life in a high-pressure job - than I am about running out of money when I'm 75.

Thanks again for the inspiration.

Pete LaMaster


The two of you have become an incredible inspiration and a wealth of information for a lifestyle that I am planning to attain in the short/mid-range future. I am 46 years old and have instinctively followed many of the financial philosophies that you have discussed in your awesome cd/book, The Adventurer‘s Guide to Early Retirement. Additionally, I have learned how to fine-tune my budget through much of the insight you have provided.

Today, I reached a "fork-in-the-road" on my future. I have completed 15 years of government service for a local municipality. I cannot see myself "doing" another 15 years in this environment for the traditional stainless-steel 30-year watch, a certificate of appreciation, and a piece of Publix cake as a final reward.

I have managed my assets extremely well over the past 25 years and am able to consider a lifestyle similar to the one which you live. I admit it is very scary, but again, you discussed that part in your Guide.

I have traveled vastly throughout the world for the past decade and on an extreme budget which has allowed me to do it so often. And in my personal life, I have seldom cared what those around me think when I make financial decisions. I drive a ten-year old Jeep that has been paid off for many years, I don't buy any of the latest electronic gadgets or HD TV's, etc. I purchase my clothes at extreme discount outlets which still allows me to dress fashionably for pennies on the dollar. In other words, I have always lived well below my means which I consider one of the greatest rewards that life can bring.

In closing, let me say again how much of an inspiration your book has been. I use it as a guideline to prepare my entry strategy into a new stage of living. And although it will be difficult to remove the "golden handcuffs" that my current employment provides, the thought of continuing with this mundane routine for another decade and a half is not really living.

Thank you for all you do,

Michel Curi, Jr., MBA

Seminole, FL


I bought your fantastic book, The Adventurer's Guide to Early Retirement, not too long ago and have been enjoying it. The suggestions, the stories, it's really all amazing. Your home in the States in a resort community sounded like a great idea to me, and is something I plan on doing as well. A small base of operations here in the States would be perfect while I spend summers sailing and winters abroad. Your site and your book bring me the stories that inspire me. Thank you for that. I really appreciate it!

Guy E.


Bought, downloaded, and studied your book, and I just had to say "thank you!" for your courage and for sharing your insights. You've given us courage, too.

JoAnne Keeney


Thank you for the opportunity of letting me in your lives. I am now on chapter 4 of your book, The Adventurer's Guide to Early Retirement, and the experience is EXTRAORDINARY! My husband and I are planning our life change this spring. Thank you again for your kindness to let us see the world through your eyes.


Rety and Bruce


My job had become less and less enjoyable over the last year, but my wife and I weren’t sure we could retire at 49 years old. We had a good portfolio and had paid off our home, but couldn’t get any real details on the spend side of retirement. Seems all of the financial planners focus in great detail on the saving side, and typically offer up oversimplified percentages for a traditional spend-down without really looking at our wants and needs. We bought your book The Adventurer’s Guide to Early Retirement online last summer. You’ve got lots of great stuff packed into the book! We were able to analyze our spending habits, identify that our real goals are more focused around being together, traveling, and spending more time with family and friends, than buying more things and working. Sounds familiar, doesn’t it!

We finished up our financial plan/life style change with insight provided by your book, and ran the numbers past two separate financial planners. They both agreed that even with very conservative numbers, we already had everything we needed. I gave notice at work right after my 50th birthday, and we’re happily 3 months into retirement now. Going through the process of evaluating and changing our lifestyle to better suit our needs has made us very comfortable with our new course and freedom. Thanks!

R.H., Colorado


I just finished reading The Adventurer's Guide to Early Retirement. You guys did a great job. I've already worked on redoing my budget and started keeping track of my daily expenditures. I know that's going to help a lot. I've been bringing lunch to work every day. I also quit my gym membership and bought a treadmill for $100 on craigslist to walk at home when it's cold. That alone saves me $500 a year! In addition to contributing 10% of my pay to 401k, I plan on opening a Vanguard account with my tax return and contributing another 10% to that. My car is on it's way to 100k miles and I'm hoping it will keep up for at least another 3 years. I'm only 24 so here's to hoping that a lot of saving and sacrifice now leads to a lot of great adventures tomorrow. Thanks for all the advice and positive thinking offered in your book.



We really enjoyed your book, The Adventurer‘s Guide to Early Retirement. It was very informative and confirmed a lot of what we had been doing all our lives such as staying out of debt. The information on insurance was very helpful as well. Our next step is investing. Thanks for your help.

The Bergs


Love the website and the download book, The Adventurer's Guide to Early Retirement, and have been following your adventures for a few years now.  I am retiring early in 7 years.  I am 36 right now, and can't wait. It is fantastic to have that goal, and reading your information makes it seem not only desirable, but also very possible.  I've met a wonderful woman and life partner who has the same goal as I, and we are on this wonderful new journey together, using your Guide to help us along.



I very much enjoyed the CD, The Adventurer’s Guide to Early Retirement, and still visit your Website regularly. I think you are the best example of retiring early, and I’m sure you’ve inspired so many people.

Judy Martel
Associate editor


I found your website in a news article on  I am really enjoying your book, The Adventurer's Guide to Early Retirement.  I'm learning that my own snobbery has been keeping me poor and stressed out.  I wish I had figured this out years ago!  I am making the lofty plan of retiring in the next 6 years at 45. 

The dream begins,

Rodney and Dimphina Ayers


You folks are my idol... I am 35 married, with three beautiful children.  We have traveled to Australia, Hawaii, Thailand and extensively throughout Mexico. We own a painting contracting business, and it drains us.  You are living my dream. I look forward to reading your book, and meeting you someday. 

Thanks for the inspiration.

Dan Delahunty


I found your site on  I had developed a plan on my own but am looking for more information ways to fine tune.  I currently plan to retire in about 4 years my son will be a sophomore in high school and I will be 34.  I am so excited to get this link to your book, The Adventurer's Guide to Early Retirement.  So many people think I'm crazy or just don’t know what I'm doing. I'm doing my best to prove them freedom can be had.  YEA!!!!!  Take care.  

Tiffani Alexander


The Adventurer's Guide to Early Retirement, 3rd Edition is nothing short of inspirational. While many people dream of an early retirement, Billy and Akaisha Kaderli did it--when they were in their late 30s! Their secret: save, simplify, look beyond the U.S. border for low-cost living and focus on collecting experiences rather than things. This latest edition offers nuts and bolts details on how to live better on less and retire when you want. With nearly 20 years of experience as extremely early retirees, the Kaderlis know what they're talking about.

Mary Beth Franklin
Senior Editor
Kiplinger's Personal Finance


Akaisha, thanks for getting back to me so quickly. I never expected such a fast response. I will check out those links. Knowledge is key. I'm so glad I stumbled across your website. Everyone thinks I'm crazy by trying to retire in my 30's. I just have too many things to do in this life to sit in a cube for most of it. Your story has definitely been an inspiration and confirms the notion the I am not crazy.
I hope you have great day!!!
Lauren :)
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I always read with pleasure your postings. You two are the only people that I envy. Huge houses, expensive cars, latest fashions do not excite me, but travels do. We will do it!!!

Hope 2008 brings you health, happiness and new horizons.


I’m so looking forward to your book! I came home that night to tell my husband that early retirement can really take place! I found your website while looking for articles on early retirement. Your web address was within and I felt like this was a perfect sign to order the CD and start planning! Paying too much in taxes and finding our lives quickly slipping away, has us looking for other alternatives to our retirement ideas.
All the best to you and your husband. We will keep in touch.


Billy and Akaisha,
Just wanted you both to know that I am always pleased to see one of your emails come through. Your influence is BIG and GOOD!! Thanks very much!!
Win Callender
Virginia Beach, VA


Dear Billy and Akaisha,
We just wanted to say thank you for your inspirational web site and your E-book, The Adventurer's Guide to Early Retirement! My wife Sonia and I discovered them about two months ago and it really spoke to us. After analyzing our finances and some considerable discussion on what was really important to us, we knew this lifestyle was for us.

I am in the military and we should be able to start our adventure in a little over 5 years. It seems like a common occurrence, but not everyone around us understands what we are planning. In the military it is the unwritten rule that you get a second job after military retirement. They usually just look puzzled when I tell them I'm not going to get a job after the military, but I have been told, "You can't do that!" I just smiled and bet the guy a beer I could and would. I'm really looking forward to that beer :)

Thank you so much for the eye opener and sharing your inspirational story and pointers. We hope to get the opportunity to meet you one day...just to say thanks in person!
Charlie and Sonia Monk

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Thank you for taking the time and effort to write The Adventurer's Guide to Early Retirement. I really enjoyed the pictures, and it truly was medicine for my very soul. I really think that is the best financial book and just how to live life book that I have ever read, and I have read thousands of books.

I am not very good at expressing my words in writing, but I hope when I say that your book made my soul Smile, and set my dreams on fire again, it can somehow convey how much it meant to me.


Your book, The Adventurer's Guide to Early Retirement, was a great help. Especially since it talked about your experiences in Thailand where I expect to end up. I think the major thing your book did for me was to wipe away some of the irrational fears that were bothering me. i.e.: Quality of medical care. FEAR stands for False Evidence Appearing Real. Once I had some facts and the falsity of what I had heard from others was shown to be not real...the fear went away.

Yours truly,
Kurt & Voraluk Hammerschmidt


I have read your book, The Adventurer's Guide to Early Retirement, on CD a number of times now...It sure serves as an inspiration to think outside the box. Thanks. It is about time I started living that degree I got in Geography 27 years ago.
Dave McDermott
Liberty Lake, Wa.


When I was "downsized" at the ripe old age of 55, I realized that I had a special chance to reappraise my life goals, and make adjustments as needed. The Adventurers Guide to Early Retirement showed me what wonderful choices are available, and how to make them happen. The book and the web-site continue to be a resource, and inspiration, that I refer back to often.


Your book, The Adventurer's Guide to Early Retirement, was quite an inspiration! We especially liked the ideas for traveling internationally on a budget, such as establishing a home base in Asia for a year or so and making trips from there. Your details on how to do that were very helpful. Also, your thoughts on not being afraid to take some risks in order to get more out of life really hit home, too. In addition, your tips on RV traveling in the US were quite helpful. All in all, the book helped us get even more serious about building our nest egg and helped us believe that yes, we can retire before 50 if we set our mind to it and think creatively. Thank you!!!

Lorraine and Dwayne


I found your book, The Adventurer's Guide to Early Retirement, to be very inspirational reading. The concept of an inexpensive back-up home or home base made a lot of sense. The idea of travel and overseas living draws my wife and I on all kinds of levels. But I always worried about wanting to return to the US in my 70’s or 80’s for Medicare, etc and being priced out of the market. Your plan took away that fear and we are looking at cheap and easy to maintain houses in the Ozarks now. Also, making medical vacations part of an over health plan with a high deductible major medical plan is great.

Thanks to both of you and enjoy your adventures! Perhaps our paths will cross some day.
Bruce Houghton
Skyline Music, LLC

*****                                                                                               Order Here

IMHO, Billy and Akaisha are two incredible people that really and truly love each other. (You really can't put a price on true love, can you? ) I visit their website frequently and am constantly inspired by their (ongoing) story. Sure, the value of their portfolio fluctuates, but the 'value' of their lives is constant; as in - constantly increasing and improving! If you ask me, they are very 'wealthy' people, regardless of the $$$ in their portfolio or their investment strategy. I owe them a debt of gratitude for what they freely share on their website. They are a real inspiration.

Thanks Billy and Akaisha!


I have perused various chapters in The Adventurer's Guide to Early Retirement, and get excited each time. I’d like to be able to retire early, along with my husband by the time we are 55 (5 years) so I am trying to make all the right “financial decisions” so that we will be in a better place to do so. Your book has been most helpful. Thanks much.
Natalie Ahlstrom


I have read your book, The Adventurer's Guide to Early Retirement, several times and now I and my wife are in the process of getting into full retirement. Your experiences as described in the book have been giving us the much needed confidence to make the jump.

Thanks again


In reading The Adventurer's Guide to Early Retirement, several things struck me beyond general inspiration. I like the concept of an inexpensive back-up home or home base. The idea of travel and overseas living draws my wife and me on all kinds of levels. But I always worried about wanting to return to the US in my 70’s or 80’s for Medicare, etc., and being priced out of the market.  Your plan took away that fear and we are looking at cheap and easy to maintain houses in the Ozarks now. Also, I found making medical vacations part of an over health plan with a high deductible major medical plan to be very useful.

Bruce, H., New Hampshire


I had to write and let you know, I got around to using your track spending method from your book, The Adventurer's Guide to Early Retirement for our personal spending & WOO HOO! I'm very encouraged!!  Our cost per day number is higher than yours -- but certainly very "do-able" once the house is paid off.  I took our spending from '05 & '06 (includes our "big" vacation of the cruise too) and took out the mortgage payments (since we aren't going to retire until it is paid off) and our daily for the two years was very manageable. I found that number encouraging, especially considering we can find other areas to cut. 

I have a second spreadsheet showing our actual spending (including the mortgage) because that gives me an idea of what we need to bring in until the house is paid off. Thanks for helping me put the program into use and giving me my financial life back! 

K.C., California


I learned about your book from my corporate alumni website and out of my keen interest in understanding more about how people approach retirement, I ordered The Adventurer's Guide to Early Retirement. I had just retired at that time at age 49 and was entering the process of thinking about what my husband (already retired at 51) and I would want to do in our future together. I thoroughly enjoyed your personal story and it along with the other stories, opened my eyes to the range of ideas on possible retirement lifestyles. I appreciated the best practices on how to work through some of the issues involved in transitioning from relying on a paycheck to smartly living from investments. I would heartily recommend The Guide to anyone who wants to be inspired and encouraged to live their dreams.

Mary T. in Washington State


Just wanted to let you know how much we enjoyed The Adventurer's Guide to Early Retirement!!! We are looking forward to retiring early, and it is wonderful to know "this can be done!!!" Your insights into the different ways to live within your means were enlightening. Anyone who wants to retire early can benefit by reading your Guide. The pictures are GREAT also........
Sincerely, Van & Kelly Morris


Laura and I have successfully downloaded The Adventurer's Guide to Early Retirement. We've also already read the entire thing! The Guide is very instructive and we're working now to figure out how to integrate your experiences and recommendations into our life. You've given us many good ideas and certainly much inspiration. Thanks and we'll keep you posted on our success!

Randy and Laura

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I saw you and your husband profiled on AOL under their ever popular heading, "Retire Young & Rich."  I must have read everything on your website.  You guys are living my dream.  Thanks so much for putting together a roadmap for the rest of us!

Best wishes,

Judy Lanskey


I learned about the two of you from an article in Kiplinger's magazine.  I bought your book, The Adventurer's Guide to Early Retirement while visiting your website.  Your story is truly inspirational and helped me to consider and decide my own goals.  I am 35 and have lived in my RV in beautiful campgrounds on and off for almost 4 years.  I like to keep my life simple and your philosophy on living life resonates with me.  I still work full time with a clear goal of Early Retirement with a pension in a few years.  The Guide and your website convinced me that I'm on the right track.  Thank you. 

Monica, previously Texas, currently California.


I first found your site via an AOL article about you and your husband.  You guys have inspired my wife and me to pursue the life of our dreams by retiring early and enjoying time with each other instead of accumulating material stuff.  I am 33 and she is 26 - our goal is to hang it up by the time I'm 40.  Thanks so much for your website - it is such a great resource for young couples like us who need some guidance.  We look forward to reading The Guide!!  Take care!



Paula and I enjoyed reading The Adventurer's Guide to Early Retirement. We are retiring in a few months at age 58, and wish it could have been earlier. We believe we are well prepared for out next adventure and The Guide reinforced many of our beliefs. Your book is a confidence booster. We share your approach to living. I found your site via the Kiplinger's article.  

Best regards,

Luke Guttmann


I found your site on the web under retire early search. It was one of the few that really had anything to say other than the usual investment planners. I'm looking forward to reading your book. Thanks.

Paul W.


When I was "downsized" at the ripe old age of 55, I realized that I had a special chance to reappraise my life goals, and make adjustments as needed. The Adventurers Guide to Early Retirement showed me what wonderful choices are available, and how to make them happen. The book and the web-site continue to be a resource, and inspiration, that I refer back to often.

S.K., New York


A few months back, we ordered your book The Adventurer’s Guide to Early Retirement.  Since that time, both of us have read and re-read every chapter over and over again.  Having begun our “life after early retirement” two years ago, we were impressed at how you managed to sum up the essential issues and considerations people must address in order to prepare for and thrive in an adventurous early retirement lifestyle.  You are right on target with your common sense approach!

As you well know, ER involves common sense, attention to detail, and a willingness to examine your true life goals and values.  Nothing comes without a price.  There are no guarantees except that our time on earth is finite.  Your book speaks to the Spirit that values adventure over the routine, values needs over wants, acts independently and seeks its own path.  You remind us all how important it is to define our dreams, examine the barriers to achieving them, and formulate a plan to live them.

Thank you for providing us with, not only a roadmap, but a source of true inspiration.

Dan and Colleen, Wisconsin


More than anything your book, The Adventurer's Guide to Early Retirement, is consciousness-expanding. It raises the awareness within the reader of new possibilities that they might not have considered. The concept of a Perpetual Traveler and living a lifestyle with simplicity (Voluntary Simplicity) touches at something we don't come by easily in the US. Reading your book has changed me and altered my outlook both on travel and retirement. Thanks for a great read!!!

 J. Carey McGleish


Billy and Akaisha help you to think outside the box.  The photography is superb.  Although their lifestyle may not be for everyone,  it certainly can be used as food for thought in changing our own perceptions and values for our own retirement.  The best part of The Guide is the periodic updates and the personal encouragement and help that they provide.

Janice Warren


We read The Adventurer's Guide to Early Retirement and loved it. We are planning our getaway in approximately 5 years. We are 37 years old now. You are definitely inspiring...thanks!


Stephanie and Juliette Lacy

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I enjoyed The Adventurer's Guide to Early Retirement immensely! We were sent the link from a neat friend of ours from Nepal who is blind, on a Fulbright scholarship at Colorado State University in Fort Collins, CO. How's that for a mouthful.

My wife Lynn and I are both 50 and we've already taken two sabbaticals, one on our own for 18 months and one with our two kids for a year. Primarily third world and mixed in service work/volunteering. That's a long way of saying we have a good handle on the Why, Where, etc.. and knew someday.... The Guide just helped get the wheels turning again. Our two kids will both be in college next year so we're enjoying the dreaming and planning especially now that I got a kick in the butt.

Steve and Lynn Hetterich in Denver, Colorado


I was able to browse through The Adventurer's Guide to Early Retirement and think a bit.  The chapter on Health Care Options (Taking Charge) is great, and helped provide a lot of clarity.  Your investment style is quite interesting as well. Thanks for the help. The more I focus on preparing for ER, the more clear everything gets.  I love it.


I am loving The Guide!!  Your website and guide is helping me sort out many old worries and questions, and I feel quite relieved that yes, I'm on the right track.  I am retiring with my partner at age 55 -my last day at work is December 29, 2006 - and I am so geeked about an active retirement! Especially like knowing that I'm on the right track for renting an apartment for a long-term stay.  Booked a 4 bedroom 4 bath drop-dead-gorgeous apartment in Florence, Italy, for a month next fall with 3 other ER friends - for CHEAP CHEAP CHEAP!!

Thanks again - I'm sharing the link to your website with friends and colleagues, and recommending The Guide to them. 

David Morris


Billy and Akaisha,

What an amazing couple you are! My wife is from Japan and I am from India. We met in a Bus in Kashmir 35 years ago.  Got married, settled down and have always talked about picking up our backpacks again.  Reading your Adventurer's Guide to Early Retirement has inspired us to seriously think of doing it again.  We live in Hawaii and will downsize our life to start on this discovery.  Today we set the date of my retirement. We hope to meet you in person one day and say "Thanks".

Ashok and Kiyoko


The Adventurer's Guide to Early Retirement was wonderful !!! I retired five years ago at the age of 55 because I could no longer handle the stress of the workplace. I have never been happier!! I had already applied some of the concepts in your book (buy only what I need, for one). I hope the younger generation will read The Guide and realize that working and accumulating things is not what makes one happy. Being free to do what you want will generate happiness.

Mary Ann Morris, OH


Reading The Adventurer's Guide to Early Retirement has been a real motivator to re-examine my life and my priorities. You both are contributing so much more being retired than perhaps you could have been even in your successful restaurant business and Billy as a financial advisor. Your book emphasizes the fact that we are a global community, and when you retire, you certainly don’t need to confine yourself to a small neighborhood in the US. There are so many places to retire to outside the US, as you have already done, and for many retirees, that is an eye-opener. Your book reinforced this.

Rob Blankinship, Singapore


Thank you so much Billy and Akaisha! Really appreciate you sharing your early retirement experiences, very helpful information, tips, and hints in your new book The Adventurers Guide to Early Retirement. It’s the best $14.95 investment into my retirement plan I’ve ever made!

I First learned about you when hearing your interview on the Clark Howard nationally syndicated radio talk show. Clark Howard, besides being a nationally syndicated talk radio and TV show host, is also a consumer advocate and retirement investment advisor. I respect his advice.

Looking forward to book number 3!

Scott R.
Lawrence, Kansas USA

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I am a 33 year YMCA vet and we serve in over 130 countries world-wide. I love to travel and would enjoy traveling the way you and Billy have for the rest of my while I am still healthy.


Roger Hawkins


Thank you so much for sharing with us your truly inspiring story. I have enjoyed your book greatly and  certainly hope that in time to come I can have as fulfilling a retirement as yours.

Lilian, Sydney, Australia


At age 58 I was transitioning to retirement.  Just started a new life with a new wife after my first wife died 4 years ago.  The Adventurer's Guide showed me that life is not all about career and an illusion of security.  It is about experiencing what this life has to offer and growing through learning.  It also is an excellent antidote for the anxiety that the financial world sows constantly about outliving your money.  I've discussed with many friends just what they think they need to retire on and when they can do it. 

Keep on traveling.

Stephen Toth; Ipswich, MA -Retired Process Engineer (Chemical/Cryogenic)


We got your amazing, thoughtful, personalized, extensive reply to my plea for help. Thanks so much for being a guide and inspiration: you jumped off the cliff with nobody ahead of you to prove that someone "could" fly. We at least know that it "can" be done.

Pete & Kathy, Melbourne, FL


Received, and really enjoyed reading through your The Adventurer's Guide to Early Retirement the 1st time, and starting on the 2nd now. Working on assimilating all the useful information. I'm truly inspired!

Scott R., Kansas

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I found you through the latest article about you in Kiplinger's magazine.  We're planning on retiring in a year and are finalizing our plans.  We, like you, are retiring on less than the "experts" tell you is possible.  I love the way you guys describe it (and live it) as an adventure.  Thanks for sharing your story.


Mary Anne


I read about you in Kiplinger's magazine and couldn't wait to explore your website.  I retired in June, 2006 at the age of 47 from teaching after 25 years.  I just couldn't take the stress and loss of family time any longer.  I now feel free!  After reading your website I see that you have many of the same ideas I have about being tied to "stuff" and cost of working.  I exercise, eat better, dress simply and volunteer and am the happiest I have ever been.  Thank you for your insightful website which I will be sharing with my friends. 

Jan Heidemann


I read your wonderful book The Adventurer's Guide to Early Retirement which taught me many things that I had not previously considered, e.g., tools for controlling spending. Your practical concept of PT is [also] something that I had not considered... Prior to reading your book, I was stuck in the idea of having to pick a single country. Your book provides a model for how to live in a more fluid way. I have lots of admiration and respect for what you and Billy have done. You have been living my dream, which I soon hope to realize.
Best regards,
Brian S.


I’m very happy to have received The Adventurer's Guide to Early Retirement. Thank you very much for such a powerful message. I’ve become a little sloppy in tracking my expenses the last two years, so your book is motivating me to get back on track with super reasons to stay focused. 

Thanks again.

Claude B., Canada


What a great book! The Adventurer's Guide To Early Retirement helps point the way to life beyond the world of work. Billy and Akaisha have shown us that we can achieve some of our retirement dreams and activities. Their story provides evidence that you really can get off the treadmill, and experience life in a more fulfilling way. The photos are particularly beautiful, and I thoroughly endorse this book! 

Steve J, Edmonds,WA

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Just wanted you to know how much I enjoyed reading your book, The Adventurer's Guide to Early Retirement.  Lots of great ideas I can implement NOW. Many thanks, and good luck to you both.

-- Anne C., Carlisle, PA, Kiplinger's subscriber


I finished your book, The Adventurer's Guide to Early Retirement last night -- WOW! Thanks for sharing your story with a practical step-by-step guide to follow. Great life lessons as well. So much to digest and ponder at 2 years your senior before life becomes wooda, cooda, shoodas. All your travels sound great. I think I am leaning toward Ecuador first.  Thanks again.  

Roger  Hawkins,  Deltona,  Florida 


I've read your book, The Adventurer's Guide to Early Retirement, and found it extremely helpful, both in specifics, GREAT pictures, and wonderful insight, to help us to begin thinking about our own priorities, dreams, and finances.   Thanks so much!

Colleen C.


We purchased The Adventurer's Guide to Early Retirement with an interest in not only how a couple might retire so young, but also because we had an interest in exactly how they have used this additional time to enjoy life.  We were not disappointed.  The Guide answers all of the questions that one would have such as: how to do it, health insurance, the new mindset that is necessary and much more.  In addition, there are so many pictures from their various travels that just would not have been the same if they were in black and white in a paperback book.  I highly recommend The Guide to anyone who would like to spend a couple of enjoyable hours in front of the computer while drifting off into a daydream about the possibilities of their own early retirement. 

Joe B. 

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Loved your book, The Adventurer's Guide to Early Retirement. The sections on the economics of traveling at different times, for longer stays, and varied lodging made a lot of sense. Your analysis of Fear, in all the ways it impacts retirement and travel decisions, was perhaps the most beneficial for someone planning to take the plunge. Maybe we will cross paths in the future. I hope so.

Drake Bozarth, Des Moines, WA


I am 28 years old, and have ten years to go before reaching the Kaderlis' retirement age of 38. Their book, The Adventurer’s Guide to Early Retirement, has inspired me to go for it!

Joel Stanton

Editor's note: Joel, with the purchase of our book you’re well on your way. Good luck to you, and we are looking forward to keeping up with your success.


The Adventurer's Guide to Early Retirement is inventive, informative, and an inspiration.  A highly effective tool for those who seek to seize control of their futures. 

Samira Dhanji, BA.  Real Estate Developer and Entrepeneur.


The Adventure's Guide to Early Retirement is an easy, simple and enjoyable read. It is a wonderful testimony of how to take control of your life to pursue one's dreams. Your story is inspiring, motivating and a great example of "Just Doing it." The pictures are vivid and full of energy. They make me feel as though I am actually watching the people in all those great countries. Thanks for bringing the world to us in words and pictures.

Dr. Cynthia Barnett
Retirement Lifestyle Specialist


"The Adventurer's Guide to Early Retirement is an excellent book and details one couples' success in building a fulfilling retirement. It's well worth reading." John Greaney of  The Retire Early Home Page. Read the entire review Our Book Review


David Hardy of Good Morning Chiangmai News and Good Morning Laos wrote a review of our book for his international news, travel and in-flight magazine. Read what he has to say:  Our Book Review


For anyone who has wanted to chuck it all and go experience the world: if The Adventurer's Guide to Early Retirement doesn't motivate you to do that, you may as well buy a striped shirt, plaid Bermuda shorts, knee high socks and sandals and go hang out at a Wal*Mart in Florida. 

Jackson Wood

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Just finished reading your  book The Adventurer's Guide to Early Retirement - timely info for us. Thanks for sharing your courage and enthusiasm!

Loren and Claire Wright


Hello Billy and Akaisha,

Just wanted to tell you that I just finished reading your CD and I enjoyed it very much. It is obviously part motivational and part practical and I felt you did an excellent job of mixing the two.  I especially liked the areas that related to "things to think about before....." As you mention in the health sections, prevention is the best way and I think that applies to many other areas as well. 

For 20 years now I have dreamed of becoming a PT'er, and now I am just a couple of years away. Although at my age (58) I probably don't qualify for EARLY retirement, I like to paraphrase Meatloaf's song: I'll never be as young as I am right now. So for me, this is early. At any rate I have concentrated on making my financial goals and looking toward perpetual traveling.  Obviously there is a lot more to think about than that and I do think your book does an excellent job of addressing those issues. I think this will be most valuable in pointing out areas and issues that my wife and I will need to discuss in the few years before we take the leap. So I would like to thank you both for sharing your adventures and ideas and hopefully helping those of us who follow to be more fully prepared.


Hope to see you out there somewhere and soon.


Scott Duncan


Your book had an impact on me that I would not have believed possible. I have been thinking about retiring for a year but wasn't quite sure that's what I wanted to do. I saw an article on The Adventurer's Guide to Early Retirement online and the minute I saw what you were doing, I knew it would be possible to get away from the high-pressure world I've been living in and do something else before it's too late. I'm really very grateful to have seen that article - and my retirement date is set for this fall.

Nancy, Colorado

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My wife and I read The Adventurer's Guide to Early Retirement when it first came out and it was outstanding. Your book and the Terhorst's book are the top 2 in our opinion. We wanted to say thanks for the inspiration and sharing how you made FIRE (Financially Independent Retire Early), work for you. Your book has helped us think through all aspects of FIRE and gave us the confidence to stay the course.

Thank you

Allen & Wendy, Redmond, Washington


It has been years since we had been out of the country, except for a few day trips down the Baja. The Adventurer's Guide is very informative if you are going to visit or live overseas. Some cultures are very close to ours but many (like Asia, et al) are very different. But even in similar cultures you need a street sense or you court trouble. The Guide is well worth the price for that reason alone. I have not yet retired, so I am closely evaluating the other things they present in their book from the point of view that if they are right on the money with issues I know, then their veracity of the rest must be true.  


John and Okyon Miller, CEO of Aria Bridal, Formal


One of the things I think we Westerners miss is the simplicity that a lot of other nations have in their lifestyles - bringing them happiness and contentment [instead of the] western acquisition based contentment. I really enjoyed your e-book, The Adventurer's Guide to Early Retirement. Very good reading - and you both covered all the major topics and concerns that I - for one - was curious or concerned about.

Lynne S., California


Thank you for sending your GUIDE so quickly. I have just read a few pages and just had to stop and write a reply to you to let you know how I much I enjoy it. The questions that you asked are right on. When I found your website, I was a little skeptical at first, because you were selling product and I thought: "Ah ha... this is how you can continue to retire, selling your story on line, and I would be part of funding your retirement." Then, I read a little more and started to realize that you guys are for real and your story is worth telling. So, I decided to take a chance on ordering The Adventurer's Guide. Using PayPal is good thing also. Your story is just amazing. A lot of people think about doing what you have done, but very very few actually do it and pull it off. Thank you for sharing it with me.



Hello My Friends Billy and Akaisha! Thanks for your encouragement... Sunday I will be off to my plans -- and my freedom. It is time to resume the trekking and adventures. Taking your advice and keeping a journal, plus more. Love you two. If it were not for you, I probably would not have the courage to do this, so I thank you much.

Gin (Traveling the US in an RV)


I read The Adventurer's Guide to Early Retirement and I enjoyed it very much. I can especially relate to the Chapters on Peer Pressure and The Fear Chapter, as I am experiencing that right now. You have a clarity in life (Chapter 12 Advantages of Simplicity) whereas most of us working people perceive life as a big blur going through day by day doing routine mundane tasks. I am still in the rat race and I hope that soon I will get that clarity in life. Thanks.

Li Yu, Canada


I must tell you what a pleasure it was to enjoy your much-awaited book, The Adventurer's Guide to Early Retirement. I admire you both for your many talents, your nerve, and your financial management skills. Without your useful information, practical tips--especially about health care options, and positive attitude, I would never have seriously considered doing this, and now we're both looking forward to it. Thank you from the bottom of my heart!
Best wishes,



The Adventurer’s Guide to Early Retirement is a lot of fun to read. The writing is straight-forward and inspiring. The math is simple and the financial plan easy to follow. The pictures are WOW. This book is just the catalyst we need to seriously think about retiring. The biggest thing for us, since we live in California, is dealing with the high cost of housing. But once we realize that there are beautiful places to live that cost much less (those pictures are really awesome), everything changes.

It will take us three years to get our “nest egg” together. My husband, Glenn, will be 54 years old, not young, but 12 years earlier than the 66 yrs people our age accept as “retirement age”.

We are so grateful that Billy and Akaisha decided to share their expertise on this subject. We’ve always had the idea of early retirement in the back of our minds. We just didn’t know how to go about it. This book is the blue print on how it’s done, and may just trigger an early retirement revolution.

Leanne and Glenn, California

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We have followed your adventures for years, and enjoyed The Adventurer's Guide to Early Retirement very much. You are a lot more adventuresome than we are as far as travel is concerned, but the points you make about investing for retirement, and controlling expenses is extremely valuable for everyone, whether they are close to retiring or not. We escaped the rat race when I was 51, and have been living the "good life" in Mexico since 1995.

Burt & Lucille Kennedy, Ajijic, Mexico


I received The Adventurer's Guide to Early Retirement, and it is absolutely wonderful and completely inspiring! Our youngest will be 18 in 4 years so I am just counting down and looking at the example of your life adventure as the ultimate dream! You both inspire me so much and I thank you so much for sharing your experience and convincing me that it can be done.



I wanted to thank you for your great book, The Adventurer's Guide to Early Retirement. It was definitely worth the very reasonable price that you charged for it. I wish you all the best as you continue on your amazing journey through life.

Mark Carr

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Even for those of us who do not long for early retirement, Akaisha and Billy's book provides a wealth of philosophical insight on the importance of simplicity in daily life, the priority of relationships over money and the joys of discovery just around the bend. The photos are breathtaking and a reminder that there is a world beyond the suburbs whispering to the reader, "come and learn from us". I recommend Billy and Akaisha's book without reservation - a must read for 2006. Simplify.



Thanks for sharing your experiences with us. The fear you mentioned in your book is there for us but we're very focused on our goal so I'm sure we'll achieve it. We will take your suggestions and start tracking our expenses closer and hopefully that will give us more confidence. We hope to meet both of you somewhere, someday when we finally leave the working world behind us!

Rick, Ontario, Canada


I really enjoyed your book. It made me realize that we complicate our lives instead of keeping it simple. I continue to watch your web site for more adventures, and I thank you for enlightening my life. You both make life enjoyable.

Dee, Mesa, AZ


I wanted to compliment your excellent book. I am so impressed with the two of you and only wish your book had been available before we made our own early retirement decision 7 years ago. Your GUIDE was useful, insightful, thought provoking, and a pleasure to read. Thank you for sharing and doing it so very well. I also loved the CD format and it was easy to hear with my text-to-speech software. I do hope our paths cross in the future.

Bob Boyd


Loved your book. The sections on the economics of traveling at different times, for longer stays, and varied lodging made a lot of sense. Your analysis of Fear, in all the ways it impacts retirement and travel decisions, was perhaps the most beneficial for someone planning to take the plunge. Maybe we will cross paths in the future. I hope so.

Drake Bozarth, Des Moines, WA

THE ADVENTURER'S GUIDE on CD has it all: wonderful pictures (great for screen backgrounds!), insightful travel advice, delightful commentary on various regions and cultures, and practical information on life prioritization including pre- and during retirement. Great value at USD $14.95. Looking forward to version 2.0!

A Reader From France


I really loved your book! ...Some of the values that you have embraced [voluntary simplicity] en route to becoming PT's were so foreign to me - but make perfect sense! Billy's 'cost per day' calculation was most interesting. Keep enjoying your voyage thru life!

Don Seibert, Lake Martin, Alabama


Congratulations on your wonderful book. I enjoyed it enormously! It provides insight, entertaining stories and photos about an exciting early retirement option. I appreciate that you included personal information related to your career and financial situation. This makes the material more meaningful to the reader.

L.C. Alberta, Canada

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I read through your book "cover to cover" the day I got it! Your lifestyle does have great appeal... You two did a great job on the book, and we will be talking about it to our friends.

Art Nicklaus


I received THE ADVENTURER'S GUIDE TO EARLY RETIREMENT today and read it all in one day. Thank you for the inspiration.

Buddy Gissendanner


Your 'Retire Early' CD-Book keeps us motivated. We are moving towards "getting out of Dodge" and are one step closer each day!

Ken & Marty in Florida


THE ADVENTURER'S GUIDE TO EARLY RETIREMENT is a very pleasant and enjoyable read. The information contained in THE GUIDE will give those considering Early Retirement the self confidence needed to take the next step in fulfilling their dreams. It has certainly influenced personal decisions regarding my future.
Once again...Thank you so much!!!!!

Steven V., Orlando Fl.


THE ADVENTURER'S GUIDE TO EARLY RETIREMENT rang very true for me and was inspirational. I am truly pumped about what the future holds. Adventure is 'da bomb!! Thank you for the effort you have put into this work and we very well may see each other around the block. I wish you both the very best.

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For a great adventure into the life of Perpetual Travelers, how they prepared for it and then how you can mentally and spiritually prepare to Retire Early, read THE ADVENTURER'S GUIDE TO EARLY RETIREMENT. The Kaderlis have laced it with enticing phenomenal round-the world pictures and practical advice on how to get from here to there and survive! The cost per day calculation is probably one of the best tools I've seen for an idea to check and control [one's personal] consumption. Someday I'll be there with them!

RE and PT wannabe Bridget


THE ADVENTURER'S GUIDE TO EARLY RETIREMENT is essential reading to anyone contemplating Early Retirement or the PT lifestyle or both. Who better to get advice from than a pair of adventurers who did it when Early Retirement was not in fashion and proved that a fulfilling, productive life is possible outside of a career?

After reading through the book, the only question that remains unanswered in my mind is: “Why the heck didn’t I do this earlier in my life?”

I.E., Washington, USA


I appreciate the honest and realistic approach of your GUIDE. It is refreshing to read about the challenges of early retirement along with the emotional effects written in a practical and understandable manner that challenges the reader to take stock of their dreams without bursting them. Great job!


Your book was very stimulating and motivating. It helped to validate many existing ideas and offered valuable insight into some outstanding questions. Many thanks!

Angela D.


Your ideas in chapters "Guys and Gals" and "Peer Pressure" are deep and get to some very important aspects of making decisions about early retirement. These are two areas I suspect ER candidates overlook in their early stages of retirement planning. Congratulations on having moved away from the fast pace of job-life and following your dreams.

Bob and Fernande Rakes, Waikiki Snowbirds


THE ADVENTURER'S GUIDE TO EARLY RETIREMENT is both fun and informative for us "Rat in the Python" Baby Boomers thinking of jumping early. Your unique use of gorgeous photos and bite-sized chapters makes it very personal and also quite easy to digest. You embed deceptively simple but important nuggets of wisdom which are worth re-reading. It seems that Early Retirement for Baby Boomers is becoming a hot topic these days. Everywhere I turn there are magazine cover teasers hyping it. However, they all gloss over important issues that you address in a relaxed and personal way in your book. I am recommending your GUIDE without reservation to all of my Baby Boomer friends.

Jim Tusa, Atlanta, GA

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Your GUIDE is awesome. I think about you doing the seemingly impossible and it gives me hope. Thank you for being trailblazers for those of us who are more timid in our thinking.

Catt, California


Received the CD-Book last night and I didn't stop reading until I was all the way through. You did an amazing job at putting it all together - very well laid out and the photos are fantastic. I really liked your method of the running "average cost per day"! Again, thanks for all the effort you put into the book - so enjoyable, well worth the money and something I'll be revisiting very often.

Jillian Simensky, Deer Park, NY

I bought and loved your CD-book. I pull it out frequently, sometimes to study the detailed financial suggestions and other times to just look at the pictures and daydream. Definitely a worthwhile purchase!

Sharon R.


Your GUIDE was very motivating! I started reading and couldn't quit until I finished the whole thing. This has convinced me to start doing something and quit being afraid of retiring early. I am using the strategy about budgeting and control of finances that you use. It motivates me every time I make an entry. Your ideas have let me know that I can make it. [Your book] has shown once again that time is worth more than money.

Thanks for all your help.

D.M., Oklahoma


THE ADVENTURER'S GUIDE was very impressive. I found myself nodding in agreement most of the time I was reading your book... I really appreciated the parts that explained what happened in your lives to propel you forward and the frank discussions of your personal spending and finances. That, I believe, is the single largest unknown: what financial steps are recommended to proceed. Thank you very much for your hard work. And thanks for sharing your experiences.

David Cross, Alexandria, VA


[In reading your book], how your "voyage" came about was important and quite interesting to me --- although ultimately, I really enjoyed its personal touch.

Joe, Capitola, California

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Reading about your experiences gave us a lot of confidence. At least we are not trying to do something that no one has done before. Thank you very much for sharing your story on the internet and [in] your new book. Excellent job. You guys are living our dream life.

StopWorking EnjoyLife website


Thanks for your wonderful book. I got THE ADVENTURER’S GUIDE TO EARLY RETIREMENT to learn about Perpetual Traveling and was pleased with the information [you presented] on other lifestyles of Early Retirement, as well. It's an inspiration to know there are so many options. I especially liked the list of items you pack...

Ann, Minneapolis, Minnesota


I thoroughly enjoyed your excellent book. It was exactly what I had been looking for: A detailed account of the Perpetual Traveler lifestyle by someone who is actually living it. It affirmed many ideas I have had over the years, and it gave me many new insights and things to think about. The photographs in the book are stunning. I have been to many of the places you have been to, but it has always been for five weeks or less on my annual vacations from my job as a software engineer. I'm getting ready to hit the road full time myself soon, and I plan to take your book with me. Being in the CD format will make that very easy! Thanks very much.

Robert, Lompoc, CA


I like the way you put your Early Retirement CD book together. You focused on the aspects of early retirement that are personal, practical, and psychological: things like taking control of your life and your destiny, making the financial numbers work out, and dealing with the uncertainties in this uncertain world. Because [your book] is auto-biographical, it's also credible. It gives me some ideas to look into that I hadn't thought about before.

Roger Steciak, San Jose, CA

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THE ADVENTURER’S GUIDE TO EARLY RETIREMENT is wonderfully entertaining, informative, and offers a comprehensive "how to" guide for year-round leisure travel. Through engaging travel stories and colorful photography, Billy and Akaisha Kaderli share their travel experiences -- and at the same time offer pragmatic advice on how to enjoy a rich global lifestyle. Whether you're contemplating Early Retirement or simply enjoy independent travel, this book will inspire you to follow your dreams.

Dale Knight, Dallas, TX


We're already retired, have traveled more than most over the years, and found a lot of "new" in your book. We are 69 and 62 but that won't stop us from trying some of [the ways] you do it. I especially enjoyed the philosophy and the writing style. You use a minimum of words to get your point across and yet, it's quite conversational and easy to read.

This book inspires us to follow in your footsteps. All concerns about money, time and health are very clearly explained. Congratulations on such a thorough and entertaining work.

Bob and Karen Broughton, Mesa, Arizona


My husband and I will soon be Perpetual Travelers and your CD was perfect for answering some of the questions we had. I especially liked your methods for tracking expenses. We will try it. Your investment strategy is one we will consider as well. It sure simplifies tracking.

Linda Laurin


Your new book, THE ADVENTURER’S GUIDE TO EARLY RETIREMENT, is as beautiful as it is useful. My wife and I are much earlier along in our ER life… but feel like kindred spirits. Like yourselves we're serious foodies. You've been so helpful and inspiring to us.

Kevin Knox, Silver City, New Mexico


Your book is a perfect common sense outline to determine if early retirement is an appropriate life style choice. Your many wonderful photographs add a nice touch to the text.

A San Antonio Texas Fan


Anyone who plans to travel in retirement (early or otherwise) will find considerable value in their book, THE ADVENTURER'S GUIDE TO EARLY RETIREMENT, whether or not you think the PT lifestyle is for you. The Kaderlis discuss how they decided on early retirement, the planning they did, finances and investing. Overcoming the fears of ER, and awesome photos of their travels are included. We look forward to meeting them, should our travels coincide.

Rick and Rory Ackerman, Ft. Myers, FL


Your book is a new and much needed valuable contribution to the idea of early retirement and living a rich life full of experiences and doing, rather than having and working to support complicated personal infrastructures. I believe it will inspire a new group of Early Retirees. Your practical advice is invaluable and the photo and travel essays, inspirational. I wholeheartedly recommend THE ADVENTURER'S GUIDE TO EARLY RETIREMENT. It is destined to become a "classic!"

Laurie Linden


Rarely does a book have the power to change the direction of one's life. If you're lucky, you may come across one or two in your lifetime. THE ADVENTURER'S GUIDE TO EARLY RETIREMENT happens to be one of these books. It is an easy and enjoyable read, but with a powerful message.  Billy and Akaisha cut through the noise of the modern worker-consumer treadmill to show us that there is another way. The book is part retirement guide and part travelogue, but mostly it is about lifestyle and prioritization.

Roger, Scottsdale, AZ


Billy and Akaisha,

I enjoyed your book.  It really covered all of the bases needed to become a Perpetual Traveler. I particularly enjoyed the information on how to pack and what to take to make your perpetual travels enjoyable and comfortable.  The chapters on healthcare were enlightening as well as the chapters on whether the Perpetual Travel life style is for you.  Since we only live once, instead of spending your time mowing the lawn or watching soap operas, why not hike the Great Wall of China or meet friends at an outdoor Cafe in Paris, instead?  After reading your book I have gotten out the maps and started planning my travels...

Gary & Susan Theda in Germany

*****                                                                                 Order Here

Definitely.... a real eye opener for me of retired life experiences before retiring age.  Very informative, made me feel it's not such an impossible dream after all. Great exposure and awesome pictures of so many different places in the world. Travel encounters that I can have the privilege of enjoying or avoiding when it's my turn to go. 

Thumbs up.

Julia & Bob Fields, Naples FL


Hi Billy! Hi Akaisha!

I REALLY LUVVVVVV your CD product!!! What an idea!! I am so impressed. You have me really thinking... It's all about action and experiencing the results. I like your CD idea and implementation. PayPal is a great payout intermediary.

James Petry III, Pensacola, Florida


Best $14.95 book I've read this year.  Good info, good writing, great photos.

Nords, ER'd 3 years ago, Oahu, Hawaii


I enjoyed the Kaderli's book/CD. Think of it as filling in all the gaps from their original web site, and much more. They discuss the travails of business ownership and their reasons for ER, talk about different ER housing/health care possibilities, etc. They go into a lot of detail on the PT lifestyle, what they do when they first come to a new city, what they do for airfare,...And everything is interspersed with amazing photography.

There is a ton of useful information regarding simplifying your life, LBYM, investing basics, health care possibilities, etc. But what I found useful is the little details like activities they have undertaken in ER, how they fill their ER time in a given city, hobbies, etc. For instance, it showed how having a great skill, cooking, has really helped them make new friends. After reading [their book], this is something I would like to do. And it really made me (I am single) realize that having someone to share retirement with is really a blessing.

When I make my ER list of things to do (something they recommend), I will surely refer back to this book to remind myself of the excellent example of the Kaderli's.

Kramer, Raddr's Early Retirement and Financial Strategy Board

*****                                                                              Order Here

Billy and Akaisha,

Enjoyed your book. I have been a stockbroker since 1981 (and) I was encouraged by your expenditure analysis. I think many of my profession tell clients they need a lot more money to retire with than reality suggests. Thanks.

Tom & Patti Gates in Yakima, WA


Thanks for putting together the book.  I have enjoyed reading about your travels on your website! Great approach to go thru PayPal.

Travis, just back from Ecuador yesterday.


I very much enjoyed your book, and will return to it again and again. There is much to be learned there, whether retiring or not!  I marvel that you have humbly adopted the pace of nature and captured it in breath-taking pictures.  Thanks for willingly sharing your adventures... I can almost feel the ocean breeze and taste the curry!

DeAnna Johnson - retired from corporate, but not from life! 


Thanks for sharing your inspiring story...It helps keep our dreams alive...

D and J, Soon-To-Be Retirees, Texas


In 1991 when you told me you were retiring at 38, I thought you were crazy. Here we are 15 years later. You have done it. You have walked the walk and talked the talk as they say. No one better to provide the insight into following your dreams. Hopefully, others can and will be inspired by your story. 

Jim Hogg, President, RV Lifts of America, Santa Cruz, CA


As somewhat early retirees ourselves (my husband retired the week between his 51st Birthday and my 38th!), we sure could have used a book like this. We did stumble into doing a lot of things right, but how much easier it would have been had we been organized like Billy and Akaisha. This is a must-read, filled with extremely useful ideas and the most glorious travel photos ever. Miss it at your own peril!

Pat,  Estes Park, CO


Dear Billy and Akaisha, 

Just finished your book and loved it!  I traveled vicariously with you through Asia, Ecuador, New Zealand and Australia, truly believing I was there.  Thank you for an enlightening and beautifully written book.  I'm going to start my spreadsheet tomorrow. 

It's inspiring how you have chosen to live your life.   

Gloria, Mesa, AZ

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

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