Retirement sucks when you have no money. We also condition you to believe that if you have no job then you have no value.
So, are you going to be worthless? I rode with my friend's kids and taught them about road riding and traffic patterns so they could anticipate turns. You have to be nice, super supportive and be quick with compliments. And never reshape your metal pedals with a hand tool or you will be seen as a "pedal file".
You can also start up a meetup group and lead rides. Or join existing ones. Commuting sucks because it often involves a job and worse yet, a boss. Boss spelled backwards is double s.o.b.