What is your diet looking like? That is a big factor. Also If you can take the heat I recommend at-least 45 minutes in the sauna, with a cold plunge or cold shower to follow, and to state the obvious lots of water no alcohol lol.
A lot of people have been grinding for the last 8 years to get their bank roll to where it is now. It’s time for the oldies to just sit back with their 401k and retire by spending it and not working for it anymore. The rich don’t work for money their money works for them.