kolelguy take it from a bachur. you will always have to deal with your tayvas nashim. because kol hagadol mechaveiro yitzro gadol heimenu. So your yetzer hara will 'knit pick' at the stupid things...like take my tayva to look. i have no tayvah to look at a real person in the face, I have a tayva in every ounce of peripheral vision. but i get no geshmak from seeing her face. The solution is to go lifnim mishuras hadin and not see her altogether. and if you work on that enough you'll be able to mentaly disregard areas of your peripheral vision, by merely having the ratzon not to see it. the peleh is that I still have to work on choosing to do that , even when i have it so easy (it was HELL when i started, and that's coming from someone who is very careful not to use nivul peh).
You expect to retire in areas of avodas hashem? at what age. So when is there gonna be no tayvah for bitul torah, how about 'sleeping in', or ka'as??? "Vyeshev yakkov" zugt the {medrash ?} melamed shebikesh ya'akov leishev beshalva, lefikach kaftzah alav rogzo shel yosef! life is about working hard, if you aint working you are gonna be falling and burning. there will never be a time in your life when you will say, 'OK that's enough zchuyos, i'm good enough, now for some FUN..' . What are you thinking? adam le'amal yulad. not to make his 401k and retire in florida. Shotim,Utipshim. Sit and learn. so your mind is going, do halacha and mishnayos. medrash, nach. even keep saying ONE PASUK. the shulchan aruch harav (hilchos talmud torah) brings from the ramchal (not bishmo) that even if a person only said one pasuk 'va'achot lotan Timna' again and again, the effect of every time wil be different. since at all times the tzirufai sheimos, and midos that are sholeit at that time are different. jews don't go into retirement, we always grow. the idiots that feel that they worked their whole lives to retire....are idiots. they where created to work, and when they are rich enough to not need to, so go seek da'as torah about phasing out your work, and phasing into the beis medrash. And as far as the 'extra' money, it's not yours. it's only meant to last you and your dependents until the next fiscal year. Give the 'extra' to tzedakah, it was only LENT to you for that purpose.
Sorry, i just got alittle fired-up and needed a "forum" to share this. Of only I was older, or looked it, I could do this in person. Well untill then let's keep learning and growing. And B"H when i have to give this over, I'll have some clearer points, and more mareh mekomos.