The reason there’s a lot of good advice for people in 20s/30s is that their problems are so easy, tons of people solve them well enough to produce generalizable value and share. They’re n>1 answers. 40+ you’re lucky if you can half-ass even your n=1 case. They’re n=0.5 answers.
Fortunately I’ve stayed on top of that particular problem and kept up retirement savings/planning well enough 
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Time to pick your hobby then! I hear gardening is fun if you checked the home ownership box.. that seems to be the extent of the 40+ script, find activities for retirement and try not to midlife crisis on the way
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Ah I’m on the right path but not out of the woods yet
No home and gotta keep game up till 65 to make retirement work. 22 years of freelance cash flow generation to go.
End of conversation
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