Yeah man, I feel your pain, I'm grinding out a living 5 days a week, 40 hours, and have been on the tools fixing cars for 35 years non stop, now I have 5 years at least, working on bikes and farm quads before I hit 65 and have a break for the rest of my life.
The thing I'm focusing on now is my health, I need to live another 20 years at least, and I dont want to be in pain or have constant illness like so many that have neglected this important part of living.
On Wednesdays we have the 'Ulyssees' social bike club members (their motto is 'Grow old Disgracefully') show up at the bike shop to meet and gather for a coffee and a briefing on a ride plan.
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Usually about 15 members turn up, all retired and well over 60, so it gives me hope!
One guy I spoke too was 75 and he just bought a new GSXR750 and is riding every day. Cool.
If you retire at 45 as you plan to, you will probably get bored and do something to keep busy, you can only put your feet up for so long before they get itchy!
Main thing I've learned is to not wish my life away and try to live every day as though it's my last. We only have so many, to waste them is a foolish thing.