Hei, Mr darkman62
I'd be very happy to retire and give you my place in the skies. Just like you I have just the first and only one wife.
I have no other choice than to keep on flying in order to survive. My previous company (Varig) went down along with my pension plan.
There are many other pilots with different reasonable reasons to be in the job, so, don't jump into conclusions.
I see, by your statement, that you need some extra hours to upgrade.
Safe flights