Yoga is a good practice for retired people. After retiring from service forget the cruise ships. You should live for one or two months in a spiritual place like Prayag or Rishikesh or in a solitary place on the banks of the Narmada or the Ganga or Yamuna where you can get Satsanga of Mahatmas. You should live alone. Then only you can destroy Moha or attachment for your family. Then only you can have good concentration and solid spiritual practice. You can return back to your home. Live now in a solitary place that is situated a mile away from your house. Construct a small Kutir. Ask your people to send the food to your place. Sometimes you can take your food in your house. Then again come back to the banks of the Ganga. By so doing you and your family people will be used to separation. They will not get any shock.
Eventually you can stay in seclusion for any number of years without any difficulty. Do not write any letters to anybody when you are in seclusion. Spend the pension in charity. Plunge yourself in Japa, meditation, Kirtan and Pranayama. Draw a daily routine and stick to it tenaciously. What is the use of getting a human body if you do not utilize even the last portion of your life in divine contemplation, Bhajan or worship? It is very difficult to get a human body again. Wake up from the slumber of ignorance. Start this practice at once. Rejoice In Sat-Chit-Ananda Atman. Realize the Self and be free in this very birth!