NebLem

A better critique would be lack of ability or safe routes, since many workarounds are needed to allow kids and those physically less able to get around by two wheels.

The vast majority of adults travel within 10km of their homes for most errands, which is definitely possible to hit with an analog bike. Ebikes can enable making double that distance easy.

That being said, even in actually rural areas where you are biking on a narrow shoulder with 50kph+ traffic next to you 20km each way in 0°C temps, many that don’t have other options still bike, so really it’s a preference for comfort/safety not lack of ability stopping most.

Bikes and retirement aside, I’d recommend knowledge - career skills, but also handiness skills. If you can do simple repairs like replacing a door, changing the flap on a toilet, painting, preventative stuff like changing your air filters, simple electronics (replacing a light switch), etc you’ll save thousands on repairs as a homeowner. Today there’s almost nothing that you can’t find an in depth video tutorial on, but if you really don’t feel comfortable with basic tools most community colleges have cheap classes as do some hardware stores. Volunteering, even just to help friends with their projects, can be an amazing way to learn too.

Great advice in the other comments, so I’ll only add this - with this being your first house, if you can afford it, do a multifamily unit or a property that can be used as multifamily. Nearly everywhere is in a housing shortage, so you’ll be able to get a good win win with some renters that can help pay your mortgage faster while they have an affordable place to live. Best if the units can be fully separated so less drama.

A few problems of chat only:

1. Time differences mean you’ll likely only socialize with a limited group and miss out on cool people and discussions not synchronous to your active times.
2. Ephemeral nature of chat discussions make it hard to keep track of long running efforts where today’s discussions could benefit from knowing the previous discussion points.
3. Chat apps tend to be closed networks, which might make it difficult to reach the people you’d like to interact with.

None of these are show stoppers, and there are benefits to limiting your digital presence.

That all being said: Real friendships tend to require a lot of work and most people can only usually put the work in for a handful. In general, keeping in touch with those you want in that handful is best as follows: real world in-person > 1:1 synchronous video/virtual world/chat > group chat platforms (discord, etc) > letters > emails > blogs > microblogs.

Outside of those few, its good to still get out and do social networking regardless of the technology. For people I want to collaborate, collaboration platforms (Codeberg, etc) and messaging can work great if in-person doesn’t work for whatever reason (typically time & distance). For interesting online acquaintances, filtered blog/microblog feeds seem to get the best time/benefit ratio.

It’s also really good to do event based networking, such as hackathons, board game nights/bars, and community service. Letting people find you has its benefits too, I recommend looking into the IndieWeb on how to best do that if you want to be found.