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The Adventurer's Guide to Early Retirement, 3rd Edition

A Common Sense Approach


Billy & Akaisha Kaderli

Written by Early Retirees

for Early Retirees and


The most popular Early Retirement book

Powerful     Practical     Substantive


~~ Now sold in 40 countries ~~

What are YOU waiting for? Get your copy today!

  • Read why we retired 20 years ago at the age of 38, and how we travel the world simply and skillfully.

  • Begin today to build the future you want, have the time to learn new skills, or to pursue a passion.

  • Utilize your youth and talent for personal fulfillment or give back to your community by volunteering.

  • Is early retirement right for you?


Billy and Akaisha's Common Sense Guide to Early Retirement is practical, concise and straight from their hearts. They have successfully combined the arts of financial independence with joyful living. The Adventurer's Guide is indispensable reading to anyone seeking financial independence and a happy life. - Bangkok Bill, Fellow PT


Readers' testimonials for: The Adventurer's Guide to Early Retirement

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

You folks are my idol... I am 35 married, with three beautiful children.  We have traveled to Australia, Hawaii, Thailand and extensively throughout Mexico. 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 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 donít know what I'm doing. I'm doing my best to prove them freedom can be had. - Tiffani Alexander

You two have been quite the inspiration.  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

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Payment in U.S. Dollars $14.95 Payment in Thai Baht ฿490

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Sample Text

Chapter 1.   A Short History How did we retire in 1991 at the age of 38? It seems so long ago...

Chapter 3.   Is ER Right For You? Quit my job? Believe it or not, some people never wish to retire from the workforce. Having a blank calendar in front of them is...

Chapter 6.   It's a Lifestyle It's a way of life. Some people have the impression that  retirement is a permanent vacation with one exciting thing after another, one power packed event after the next. Their idea is that the first morning of retirement, one gets up and there are no worries, no pulls on their time, no stress. In our opinion,...

Chapter 12.   Where to Start "Sounds great. Where do I start? How do I do this?"...

Chapter 15.   Advantages of Simplicity "If I just had more time." Working peopleís lives are often overfilled, trying to cram living in between working 40-60 hours a week. For example, there is...

Chapter 18.   Money and You Life is not free. The best things in life might be free, but, obviously,...

Chapter 19.   Money Management It's not rocket science. Getting your fiscal house in order for...

Chapter 26.   Medical Care It's the first question. Right after someone learns that we are Early Retirees, conversation over healthcare coverage is...

Chapter 28.  Guys and Gals are different. We can be partners, lovers, and friends, but no matter how we square things, males and females look at the world through separate lenses. How we approach this divergence...

Chapter 30.  Freedom It's our driving force. A significant value that we both share in life is personal freedom. Financial independence is just...

Chapter 32.  The Fear Chapter It's everyone's nightmare: watching retirement assets vanish in a bear market. Many of you will remember...

Chapter 34.  Confidence Builders They apparently come out of nowhere. Periods of self doubt will occur cyclically, and it's best to...

Chapter 3.  Reflections on Retirement Retirement is not static. It's an energizing goal, but not the...

Final Thoughts.  Throughout our book, we have discussed how we invest our portfolio, monitor and track our spending, deal with.

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Table of Contents

  • Dedication

  • Acknowledgements

  • Foreword by Paul Terhorst

  • Introduction

  Part One:  How It All Began

  • Chapter 1 - A Short History

  • Chapter 2 - Why We Retired Early

  • Chapter 3 - Is Early Retirement for You?

  • Chapter 4 - Emotional Component of Retirement

  • Chapter 5 - As a Young Boy

 Part Two:  It's a Lifestyle, Not a Vacation

  • Chapter 6 - It's a Lifestyle Not a Vacation

  • Chapter 7 - 'Worry-Free' Housing

  • Chapter 8 - Housing Adventures

  • Chapter 9 - Food Adventurers

  • Chapter 10 - Our Food Secrets and How To's

  • Chapter 11 - Travel and Transport

 Part Three:  Getting Started

  • Chapter 12 - Where to Start?

  • Chapter 13 - Track Spending

  • Chapter 14 - How Much Is Enough?

  • Chapter 15 - Advantages of Simplicity

  • Chapter 16 - Putting Simplicity into Practice

  • Chapter 17 - Spending Choices

  • Chapter 18 -  Money Mindsets

  • Chapter 19 - Money Management

Part Four:  Options

  •  Chapter 20 - The RV Lifestyle

  • Chapter 21 - Living Abroad

  • Chapter 22 - Perpetual Traveler

  • Chapter 23 - Journeying Through Life

  • Chapter 24 - Out of Practice

  • Chapter 25 - Volunteering

 Part Five:  Weighty Considerations

  • Chapter 26 - Medical Care

  • Chapter 27 - Health Care Options

  • Chapter 28 - Guys & Gals

  • Chapter 29 - Peer Pressure

  • Chapter 30 - Freedom

  • Chapter 31 - Once Retired, Opportunities Arrive

Part Six:  Strengthening Your Retirement

  • Chapter 32 - The Fear Chapter

  • Chapter 33 - Having the Courage to Change

  • Chapter 34 - Confidence Builders

  • Chapter 35 - Reflections on Retirement


  • Afterword

  • Links

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Note about the authors:

Billy Kaderli

Pursued French Cooking with a passion working at the 3 Star, Celestial Restaurant as well as La Maisonette, a 5 star restaurant in Cincinnati, Ohio. At the age of 27 he purchased his own restaurant, Lutherís, in Santa Cruz, California in 1979. 

Billy is a regular contributor to The Motley Fool Rule Your Retirement Newsletter. He has been featured in Kiplinger's Personal Finance Magazine, and SmartMoney.

His personal retirement story was also featured in Bob Clyatt's book, Work Less, Live More as an example of retirees on the move and The Gone Fishiní Portfolio by Alexander Green.

His hobbies include: world travel, fine cuisine, photography, coaching sports, playing tennis, being in nature, outdoor activities, and the world of finance.

Akaisha Kaderli

Purchased Lutherís, a 46 seat restaurant located in Santa Cruz, California in 1979, and ran the restaurant for 10 years. She was active in the local school work programs and spoke at the local schools on Career Day about employment in the service industry. She also freelanced for the local newspapers The Santa Cruz Sentinel, and The Good Times

Akaisha speaks for International Living, a travel magazine and is a regular contributor to The Motley Fool Rule Your Retirement Newsletter. She has been featured in Kiplinger's Personal Finance Magazine, and SmartMoney.

 Her hobbies include: world travel, fine cuisine, textile art, photography, playing tennis, being in nature and outdoor activities, writing, reading and studying world religions.

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