I'm 42, don't have to work any more really and haven't been for some time now, and the innate creativity is not calling me at all. Perhaps I was always a bit dull, lol.
Anyway, people should be seriously prepared for the possibility that their dreams of pursuing projects "once have the time" were just an escape fantasy to help cope with suckiness of work. Lots of people who retire early return back to their previous line of work, because they can't really find meaning in anything, and structured and organized work within some company at least gives a little bit of it. The lesson from that is - don't burn your bridges.