I will take the plunge first ;
Giving that the myth surrounding retirement persists . I have actually less time and money ( we won't go there ) Than I had working . When working I had Saturdays and Holidays and most evenings to model . Not so now .
To spend time away from folks who mean well , I go to the rail Museum and build train stuff . Then I come home and try to work on my commission . Then there's Doctors visits . Then of course there's the budget . At 74 I wound up with something I didn't want or need , Car Payments !
My model budget went right out the window ! Now it's like it was when I was a kid . I have to wait for an allowance to appear between the bills . Then I can buy supplies .
There doesn't seem to be enough time to actually work on a model from box opening to finish ! When there is , I actually sit and wonder what can I work on , that will be finished in a week or so . Some have wound up being a three or four Year build , Not a week or so .And I don't even play Golf anymore because of my back .
Then when it all starts to make sense the body betrays me . I don't know how old you are , But take care of your body , your heart , and read and do crosswords when you can . My doctor says this helps keep The risk of Alzheimers down . Walk or otherwise exercise and stay healthy . If you imbibe . Cut down ( Your liver is one organ that after a certain point will NOT regenerate it's tissue .) Cirrohosis is not a good thing to deal with .
Eat well and figure out your builds while walking , cycling , or even running .You'd be surprised how many problems of assembly , painting or whatever can be solved by getting completely away from the bench ! I solve many problems just by reading . Well , there you have my input . Remember though , I am 74 and have learned already , old age is definitely as they say " Not for Sissies "
God bless and be good to yourself , you worked hard to get there . T.B.