At 51, out of all the things I care about, spending time on my computer outside of work is the last thing I want to do.
The list of things I consider more important at this point in my life outside of work are spending time with my wife, travel (working remotely we do a lot of it), flying down to see my parents for a week a few times a year, getting better at Spanish in prep for our two or three months a year we plan to spend in Costa Rica, exercise, hanging out with friends, etc.
As far as starting a business, why would I want the headache? Money appears in my account whether I’m sick or on vacation. If the company folds, I get another job like I have done now 10x in my career.
I have worked full time for cloud consulting companies (well the department at AWS until 2023) for five years. I have the network, reputation and skill set to make a lot more money if I went independent or work somewhere else that would force me to work harder.
I learn new things at work not on the side because I never want to be in a position where I feel stuck because my skills are outdated and never want to be scrambling for a job.