I'm retired. Training schedules sound too much to me like taking on another job.

Ride often. Keep it fun. Mix up your rides as much as you can. If you can figure a way never to ride the same route twice, that would be ideal. Whenever a day's ride stops feeling like fun, cut it short and just go home. Always save a little something in your tank for the next day. If you do that far and fast will just happen.