We have a group around St. Louis of retirees who ride 3 or 4 times a week on week days when the weather is good. I'm looking forward to joining them more often in about 6 years.
However just yesterday I submitted my retirement paperwork for a part time job that I had for 16 years. I taught night classes at a local college. It cut into my riding time, but I could afford nice bikes from the paycheck. I'll get about $200 a month when I turn 60 in June. I already get a military retirement check.
My wife gets to fully retire first in a couple of years. She's a nurse and has to do things like lift 400 lb patients while I just sit behind computer screens all day long.