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by Roger Nusbaum, AdvisorShares ETF Strategist

A couple of weeks ago we looked at an article from MarketWatch about a couple, now 39, who "retired" when they were 30. They live frugally, one way or another accumulated a pretty decent nest egg in their 20's and took the time to become financially literate.

Comments on the original article and then on our post amounted to a debate about whether these people were industrious or lazy.

MarketWatch then found another couple, Billy and Akaisha Kaderli, now 61 who "retired" when they were 38. There are some similarities in the two stories; both couples live frugally and both couples figured out early on what they wanted their lives to be and had the discipline to make it happen.

Interestingly, both couples live on a similar dollar amount; "less than $30,000." Also interesting is that both couples started out with about the same $600,000 nest egg (insert "nest and egg" joke from the 1985 movie Lost In America here) albeit 14 years apart.

The Kaderlis took a different path by selling everything to live out of their suitcases on a global scale meaning they live in places for short periods of time, on the cheap, and then move on to experience a new place. Some of this also involves house sitting which presumably means free rent at least some of the time. Currently they live in Guatemala.

Their route to financial literacy was different because Billy worked as a "broker" before they retired. MarketWatch reports that the Kaderlis use index funds and adhere to the 4% rule (a strategy whereby a 4% withdrawal rate is believed to be the optimal withdrawal rate from a portfolio).

Again there were a lot of comments with many of them being negative and judgmental and as with the other article these miss the point. They say in yoga to "stay on our own mat" which means don't worry about how other people do the poses, just focus on your breathing and how you do the poses.

This applies directly to other people's idea of happiness. Other people's idea of happiness will of course be different, sometimes much different but is emotionally valid. Their plan may or may not work based on the dollars involved but obviously advisors need to be sensitive to their clients' ideas on happiness and financial freedom.

No matter anyone's beliefs, there is something to be learned when someone figures out what they need to be happy at an early age and has the discipline to make it happen. How important could it be for someone whose financial plan is iffy to learn how to lop 20% off their expenses following just a few cheapskate tips?

These are success stories that anyone can learn from, even if definitions of success are different than our own.

Source: If You Can't Retire At 30, Then How About 38?

Additional disclosure: To the extent that this content includes references to securities, those references do not constitute an offer or solicitation to buy, sell or hold such security. AdvisorShares is a sponsor of actively managed exchange-traded funds (ETFs) and holds positions in all of its ETFs. This document should not be considered investment advice and the information contain within should not be relied upon in assessing whether or not to invest in any products mentioned. Investment in securities carries a high degree of risk which may result in investors losing all of their invested capital. Please keep in mind that a company’s past financial performance, including the performance of its share price, does not guarantee future results. To learn more about the risks with actively managed ETFs visit our website AdvisorShares.com.The article has been written by Roger Nusbaum, AdvisorShares ETF Strategist. We are not receiving compensation for this article, and have no business relationship with any company whose stock is mentioned in this article.