I am curious… why do you want to start a business? It seems like so much work for less pay. Why is the option of working until you retire early a bad thing?
Your paying a local charity usually does much more to the community than even running a gym.
If you run a store or a cafe by just paying locals to work in it, using a part of your high wages, it's pretty helpful. But see the charity above; maybe it's better to support e.g. educators.
In general, your community is never better off if you suddenly become poorer.
Or a charity yes (unless of course it's sth like a SPA for dogs)
Maybe it's just the "midlife crisis"
The first 25 years to improve yourself
The second 25 years to improve your family
The third 25 years to improve your community
The final 25 years to improve everyone
It sounds like you're just reaching the third stage of life :-)