Then you choose not to have a six-pack. This is one of the relatively few things that're pretty much completely under your control, all you have to do is work for it.
When?
I don't think you understand.
If one spends ones time working and taking care of responsibilities, one simply doesn't have enough time for some things.
I would love to play test war games all day, but I simply can't if I want to feed my family and make sure they are taken care of.