51 here - retirement is not an option, probably not for 15+ years. I still have an 11 year old at home, 2 in $$$$ colleges...
Time is a thing. I leave for work at 5:00 AM, out by 3:30. Head to the MUP or road area, on the bike by 4:30, not back to the house until 6:30-7:00. Plus one 50+ miler on the weekend... 6 days a week, 1.5 hours per day min on the bike.