So you pretty much designed your life around bike commuting, and living a car free lifestyle. Kudos to you for the forethought. It sounds like you hit the jackpot, thanks to proper planning.

I did just the opposite. I'd already settled down at a job in the middle of nowhere, bought the house and had the family. Then I decided to bike commute when I was already in my 40's. I was a late bloomer, I guess.