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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.

Are You a Two-Week Millionaire?

Billy and Akaisha Kaderli

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The view from our hotel room at Kata Beach, Thailand

The view from our hotel room at Kata Beach, Thailand

Thirty days straight at the beach is a record for us. Even though we lived in a beach town in California before leaving our jobs, going to the beach daily was impossible, because we were both working long hours.

We stayed a full month in the beautiful tropical island paradise of Phuket, Thailand, and strolled 30 yards to the beach daily. Traveling in the off season, this well-situated hotel gave us a sea-view room for a monthly rate of $435USD.





Phuket can be pricey -- it's the most expensive place in Thailand, especially if one eats out for every meal. So we chose to eat breakfast in the hotel room, with food we purchased locally, and we took full advantage of the room's mini-refrigerator. We also found an excellent restaurant that served a variety of Western and Thai fare for one-half to one-third the prices of most other places in town. And it was right by the water.

Since all of our needs were close by -- waves, beach, body-surfing -- we were able to walk to the neighboring stores, and to fancy restaurants when we wanted a treat. Transportation, housing, and food expenses we had covered.

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However, what about impulse buying? Souvenir shopping? Temptations were everywhere, and the temptations even come to you!

Tourists at play, locals at work

As in most countries in the developing world, the beach is a place where vendors do business. They pass by numerous times each day while you're lounging underneath an umbrella and soaking up the rays. Enticing you to purchase something you could easily do without, they'll offer you items like a hand-carved elephant or a hammock.

After saying no a few times, most sellers realize that we are not buyers, but they do still stop to say hi. And there was one young, energetic guy who was hard to overlook. He was selling board shorts, something very fashionable in today's beachwear. In the local markets, we'd seen them selling for 2,000 baht, roughly equal to $64USD at this time.

His starting price was just 600 baht. After bartering with him, we ended up paying 300 baht for a pair of shorts -- just over $9 -- and we both were satisfied with the purchase.

One advantage of staying long-term in a location is that we get to meet and learn about these vendors, all of whom have a story to tell.

The board-shorts vendor was no different. Each day, he would stop by to see whether we were interested in another purchase. He was a businessman and understood his market and products. He was originally from Vietnam and owned a shop 30 minutes north of our oceanfront location and worked the beach on many days. When we asked him how many pairs of shorts he sold on his busiest days, he answered, "15,000 baht worth." That's very impressive for a beach vendor, considering that the average Thai wages are quite low.

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Our vendor then proceeded to tell me that he sells only about 10 or 15 pair of shorts a day! How did he make so much money selling so little merchandise?

He explained that during the busy season, the same shorts we'd bought for 300 baht go for 1,500 baht. Curious, we asked ask him who would pay such inflated prices.

A plate of fresh steamed mussels for a buck and a half!

A plate of fresh steamed mussels for a buck and a half!

"Oh, that's easy," he replied. "The two-week millionaires."

Those are the people who take their two-week vacations with money to burn and no regard to prices. Our vendor says he can spot them the minute they set foot on the beach.

Wondering what his impression of me was (Billy here), he jokingly quipped, "key nee owl," which is an affectionate Thai expression for "Cheap Charlie." He knew me well.

We take the position that our retirement is a lifestyle and not a vacation. We get to a location, check out the pricing, and do some comparisons before buying.

And those board shorts we paid 300 baht for? We just saw them in Burma for the equivalent of 200 baht.

Our vendor won yet another battle.

Make the most of your vacation
Below are some tips for saving money during your time off.





Travel off season. Our ocean view room at the Kata Sun Beach Hotel cost $435 for the entire month.

Eat where the locals eat. They know where the better-value eateries are.

Beware of impulse buying. Don't buy it if it's just going to end up in a closet back home.

Research other hotels for your next trip. Even if you've found one you already like. And always ask whether breakfast is included.

These are simple tips, but it's amazing how much difference they make. And we still have as good a time as any two-week millionaire.

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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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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