Also, you aren't young forever - even Arnie realised that, and began reducing his bulk. Being pumped means your muscles stretch the skin like a balloon, and after a certain age that simply won't ever shrink back if you lose muscle bulk and tone.
Also, have you had a think about why you want to do this? The reason I ask is, you seem to work very hard, often long hours - you often seem to be concerned about money - so why would you then go and spend your hard-earned on a gym? You could 'exercise' via the things you do around the home, and in any case, not all women like those body-builder looks. If that's your thing.