Gang, here's some hard truth for you. Please don't take it the wrong way because it's meant with love and respect.
I am not retired, but expect to be within the next 5 years.
I've been working for the same company for 26 years, including all of my married life (21 years so far). And I have worked hard.
My wife (who also happens to be my soul mate) has not worked outside our home for several of those years. I don't begrudge her that privilege. She raised a fine son (whose scholarships enabled her to quit working) and I am most proud of him. She made a home which is my refuge. I would walk through the fires of hell for her.
Having said that, my father retired when he was 62 and died before his 64th birthday. I resolved a long time ago that would NOT be me. I'm getting out of the rat race ASAP.
I said all of that to say that when I retire, the MAJORITY of my time will be MINE. I think I've earned it. And for those of you retirees who think I'm naive, it's your OWN fault for not making it happen. Live YOUR life. You only get one. Just ask my father. Oh wait, you can't. He's DEAD.
The point is this: If you don't MAKE the time to do the things you WANT to do, it won't happen. Play your guitars and don't feel guilty about it. Guitars are proof that God loves us and WANTS us to be happy. Who are we to disobey?
Again, please don't take this the wrong way. I do realize that every person's situation is unique, but I stand by my "point" above.