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No. of Recommendations: 4
Billy and Akasha Kaderli & Paul & Vicki Terhorst are perpetual travelers. Both couple quit working in their late thirties. They will stay months in a locale soaking up the culture, eating where the locals eat etc.

It works for them. It wouldn't work for me. I would suffer from culture shock. They relish the differences in culture. Me. I prefer the familiar.

After traveling the globe for almost thirty years, we have found that in many cases “less is more.” For one thing, we have outgrown the need to purchase souvenirs for ourselves, families and friends. Now we have intriguing stories of serendipity, humorous anecdotes of lost luggage or personal bungles, and priceless essential moments with human beings on the other side of the planet.

Years ago we figured it was going to cost us a certain amount of money to “stay home” – whether it was food, entertainment, rent, or transportation, we spent "X" amount per day. In choosing to travel, we still paid for these items, but now we were in some exotic place creating memories.

The difference between what we spent at home and our journeys to Asia, Guatemala, pristine beaches in Mexico or a tour of both islands of New Zealand seemed miniscule for what we received in return. Many times the difference in expenditures was just the cost of the airfare.

In our case it's been almost three decades of global wandering, harvesting our stories. We prefer experiences over stuff, and it is one of the reasons we travel.
Terhorst advocates a life of “responsible pleasure”: Do what you love, but don't spend a lot of money to make it happen.

It takes less money than you think to retire early. “Millions could retire right now,” Terhorst says. But many folks are bound by “golden handcuffs”. Their high incomes fund lavish lifestyles, which means they remain voluntarily shackled to their jobs.

“When you retire you have time to pursue any and all of your interests,” Terhorst writes. But getting retirement off the ground takes a bit of time. There's an adjustment period.

Financial independence changes your perspective. It allows you to break free from — and to see — the Matrix. “When you retire you change your frame of reference. You move from a world with work at the center to a playful, almost make-believe world with your life at the center.”

Early retirement isn't about an indolent life of leisure. Terhorst believes it's important to move from an active work life to an active retirement. He has a rule: Do what you want but you must do something. “The idea,” he says, “is to live, not dissipate time.” Have meaning and purpose.

Terhorst calls homeownership “the great American ripoff”.
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