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No, they "retired" into it once they'd paid things off with years of "normal" work.
One example is renowned Audaxer Steve A. He'd worked a warehouse job for ~20 years and paid off his mortgage, then tried to get the HAMR record (most distance cycled in a year, attempted 3 times) and has settled on various gig economy jobs (food delivery, swapping electric bike batteries, etc).
Greenbank
Do you mean they were mortage free when they started? ie low overheads?