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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.

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How to Choose Your Future

Billy and Akaisha Kaderli

In pursuing your dream of financial independence, you will find that some things will support you in this quest, and others by nature will be obstructions.

Dream killers

If you are afraid to stand out from the crowd with either your opinions or actions, are resistant to trying something new, have a consuming  need for safety or an uncontrolled desire to spend, these above mentioned perspectives won’t allow you to break free from the mundane. If you allow Groupthink or peer pressure to manage your affairs, have a life filled with all the things you “can’t do,” and have a penchant for believing the negative news on TV and websites, you won’t find the motivation or energy to move towards a life of your own choosing. It will “seem” that everything is conspiring against you and holding you back.

beautiful surf on Naples Florida beach

Allow yourself some room to dream

Anger, jealousy and other self-limiting emotions won’t provide you with the ticket to your freedom. You have to break out and stand apart from those constricting and narrowing points of view.

Otherwise, your dream life will never happen.

The Motivators

As childlike or unsophisticated as it may sound to you, your passion for a dream and the persistence you apply to making that dream a reality is the fire that will get you there. Not everyone is born wealthy, has a top notch education, or a supportive family structure. How you apply yourself to your future makes all the difference in the world.

Couple this with knowing who you are and what matters to you. Being honest with yourself and with those whom you love and the willingness to learn from mistakes is invaluable. Use any miscalculations as stepping stones, not as reasons to hold you back or to never forgive yourself. If you feel that you have bungled something, make a new choice or an adjusted one and move in the direction where you want to go.

Diniwid Beach, Boracay, Philippines

The world is a big place offering lots of options

This way or that way?

With every decision there is a “Y” in the road. Take it! There is no wrong decision and if your choice does not pan out make another.

Don’t be made powerless by indecision or the “paralysis of analysis.” Learn and move forward. Drop what doesn’t work - and move forward again.





Be open minded to options and opportunities that present themselves and be willing to try something new to make your plan come to fruition. Consider exotic combinations and out-of-the-box solutions to any challenge you might encounter. Let’s face it. Most people do what is expected of them and follow a bland plan. They are not used to considering a variety of aspects which can lead to novel ideas and creative solutions. And, I doubt they are reading our website and books.

The Adventurer's Guide to Early Retirement, 4th Edition
A Common Sense Approach

Be YOU-nique. Utilize your personal creativity and hold the opinion that there is enough – for you and for everyone. If you believe in limitation and lack, that will be what you look for, and we guarantee you will find exactly that.

Profitability begins within – try these suggestions

Find someone who is successful in ways that embody your dreams and learn from them. Study the terms utilized in the world of finance, and work with tools and calculators to analyze your monetary situation in all areas of living. Today with a wide variety of information available on the internet, there is no reason you cannot become your own financial advisor.

paddling in a float boat on a river

Working together, going in the same direction

Having a spouse or partner who is on the same goal-and-financial page as you are, is an invaluable asset. This puts two of you going in the same direction instead of fighting each other at every turn. A compatible partnership will provide you with double the brain power, enhanced ability to save or invest and increased motivation. Plus, it will be more fun!

Be willing to be inspired. Cultivate healthy attitudes and perspectives of your future that open you up, not close you down. Continuously choose to move in the direction of your dreams and make them happen.





Your future is YOURS. Don’t give it away to anyone. Believe in yourself and make a commitment to a life that YOU want to live. Persistence and determination can take you anywhere.

Follow YOUR Dreams. 

What's Your Number? - How much money do you need to retire?

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About the Authors

Billy and Akaisha Kaderli are recognized retirement experts and internationally published authors on topics of finance, medical tourism and world travel. With the wealth of information they share on their award winning website, they have been helping people achieve their own retirement dreams since 1991. They wrote the popular books, The Adventurer’s Guide to Early Retirement and Your Retirement Dream IS Possible available on their website bookstore or on

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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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