Thinking about the original title of the thread... I just refilled and fired up a 40 gallon long tank, with a newly homemade undergravel filter. The tank itself is 15 years old, and was purchased before I was this old, when I was still working away and earning money. My fishroom is composed of tanks bought when the money was coming in, largely money earned from writing about the hobby. Much of my gear is 20-25 or more years old, and a lot of workhorse filters are dying off one by one, beyond another repair. I've made a few tanks recently, and have radically improved my siliconing skills.
Fishbreeding takes tanks and equipment, and there are costs attached. Interesting fish aren't inexpensive. I always enjoyed the company of the old school working class aquarists I knew when I was younger - men and women who were self taught, scientifically grounded and who had both a seriousness and a sense of humour about this little pastime.
It looks like I've gone in that direction now. I have time. I am lucky to have space. I had a unionized trade, so I have a pension. I don't gamble, golf or gallivant, and I can afford a trip a year to explore my curiosity, for another year or two. But for most of us as we age and get time, we don't get money, and the hobby can demand that if we breed fish for interest. When you're younger, if you have a marketable skill, you can indulge a hobby if you can find time for it. As you age, you often have less money, less strength to build and move things, less motivation and fewer surviving fellow fishkeepers to talk all this over with.
So while you have health and cash flow, whether you're 20 or 80, do it now. If you're reading this you're into fish, so if you want to travel to South America or Africa, if you want to make a breeding set up, if you want a room of calming aquascapes, if you get pleasure from breeding as hard to breed fish and sharing it out - do it.