Retirement; like your parents, but way cooler
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.
Retiring 33 Years Ago at Age 38 - Was It Worth It?
Billy and Akaisha Kaderli
During one of our private two-hour lunches, Akaisha brought up the topic:
“Was retiring early at the age of 38 worth it?”
Wow! What a question.
each have had our share of personal ups and downs in life - before and after
we retired. It was a subject worthy of discussion.
Beaches, babes and
Boracay, Philippine Islands
we had stayed in our careers until the “normal” twenty years of service
in the corporate
world, that would have us retiring in 2006 at the age of 54. This
still would have qualified us for “early retirement”
by most definitions. Assuming things would have been the same, financially
we would be much better off had we continued working.
With a house and our
cars paid for, living near a beautiful beach with great weather in
California, a corporate pension, plenty of stock market assets and cash, it
would seem that we would be wanting for nothing.
Lakeside treasure home,
Health wise, who knows? The stress of working high pressure jobs for those
extra years most likely would have taken a toll on our physical health. And
two decades later with the aches, pains and caution that ageing brings,
would we still be as adventurous and willing to try new things in a
retirement that was just beginning?
there is the question of whether or not we would still be together. Many of
our friends are on their second marriages, and this could possibly have
happened to us as well.
course these are all hypothetical notions as this is not the way it
However, had we retired from the workplace in 2006 with a
greater portfolio, “traveling in
style, having the good life and
we would have been sitting pretty until the markets took one heck of a fall
With the S&P, Dow Jones Industrial Average and the NASDAQ all dropping over
38%, the shingles of our financial house would have been heartily shaken,
making us ponder if we did the right thing by leaving work early.
Is there ever the perfect time to retire? And how do you
Experiences vs. Assets
Traveling the world for as long as we have, we have garnered a wide range of
experiences and have tested our mettle. How do you put a price on first-hand
education and thirty years of living around the globe?
Since we stepped out of the corporate box in 1991, we have sailed the
Caribbean, lived on exotic islands, RV’ed the Western United States, learned
Thai massage, scuba diving, and
tennis courts in the heart of Mexico. For years at a time we have lived in
extensively through all of them.
Our style is not on a tour or a two week vacation
but getting down and dirty with the locals, many times being invited into
their homes for meals or to spend the night.
When the call came to do
End of Life
for our parents, we were there. We had the time, the energy and the
patience to do so full-time, something we could never have done
while holding down stressful jobs.
We consider ourselves to be global ambassadors, living
everywhere and nowhere. Our approach is to
dive into local cultures like a roaming,
self-generated Peace Corps, putting in thousands of volunteer hours teaching
business skills and
sporting activities, leaving the place better
than we found it. And the learning is not just for them. Our maid is
teaching me authentic Mexican cuisine and we both continue to explore
digital gadgetry as well as improve our foreign language abilities and
travel techniques. Much of this we photograph and journal on our website,
Opportunities to help or mentor others are everywhere
and the reward is much more gratifying
than a paycheck.
Decades of a
With over three
decades of retirement, suffice it to say that no amount of money
can replace the accumulation of knowledge, skills
and personal confidence that our adventures have given us.
here we are launching into our thirty third year of living this lifestyle
to the fullest, tasting flavors from exotic locations and ready to meet
life’s challenges. While our finances might not reflect the substance of
those who continued to work, no one can take away
the dance we’ve danced.
The future is always filled with surprises whether one is working or
retired. Life with its
challenges never stops. However, we can rest assured that we have had
one heck of a ride over the last thirty years and we eagerly look forward to our next decade of upcoming
journeys and adventures.
So, was retiring at the age of 38 worth it?
We can only say a resounding
About the Authors
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.
Retire Early Lifestyle Blog
About Billy & Akaisha