Felix
Is it not written that "every man makes his own breaks"? In model ship building you have to "make your own time". Simply put, as busy as you think you are, there's always time to work on a ship model. For example, at work, if possible, rather than take a full lunch hour, take a portion of the model with you. Any part, ships boats, masts, spars, windlass, anchor, instead of that second dessert, use the time to clean up(trim, sand, dry fit) a piece of the model. The parts can fit in a tupperware container, an exacto knife, sandpaper are all you need. I know of a few builders that build that way. It's not a fast process, but it can work. One chap got up 30 minutes early every day just to glue one part to another, eventually the model was built. These days all I do is build ship models, my morning commute consists of walking 13 steps to my basement work shop and building models....5, 6 hours at a stretch. So far I've built/repaired 47 models since January 1 of this year.
Don't wait until you're 50 something to build, and don't be discouraged, there is always time for model building, just look around for a few minutes a day...good luck in your endeavors.