Interesting thread. Though some classic childfree bingo to be played here - I must be one of those rare women with no kids who has very little spare time, not much disposable income and is not dashing off on foreign mini breaks every weekend 
Me and DPs situation is that we both have very demanding, though still pretty lowly, jobs in the charity sector that take up a lot of time but also a lot of head space. Most of my time outside work is then spent caring for my elderly Dad who has Parkinsons and dementia. I'm surprised not to see more from people also in this boat. It has always struck me as a bit of an irony that as the childfree one of three siblings I am doing most of the parental caring, despite me not having children as I didn't want the responsibility
(my siblings are amazing btw, and do what they can, I just have more availability than them and was able to be the daughter who could up sticks and move closer to where my parents live).
When work and caring duties are done there is still a house to clean, shopping, cooking, washing, gardening, all the usual home owning admin.
Don't get me wrong, we do get time for us. And when we have it we mostly spend it outside in nature, walking in the country and at the seaside, and eating out. A lot! DP and I are never short of conversation, we talk about life, death, culture, politics, or just mundane nonsense. He makes music in his spare time and I pretend to read books whilst faffing about on the Internet
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But a life of wanton freedom and money? No. Can't bloody wait for retirement. I honestly do not understand people who worry what they will do with their time. There are too many books to read, walks to be had, swims to be swum and friends to drink wine with! 