You seem to be using the south park method of:
1. collect underpants
2. ????
3. PROFIT!
for music. Especially if you’re not going to be performing the tracks yourself, making money as a lyricist will be a long road. You should find someone to perform your tracks and release them on the internet, like on soundcloud or youtube. Then you’ll have to start making a lot of contacts in the music industry. Usually ghostwriters work in-house for a big record label, and they don’t write “albums,” they help write two or three songs on an album, as artists usually don’t want to source the whole album from the same people. It’s highly unlikely that you’d be able to “make a few albums and then retire.” It’s a much bigger commitment than that, which is why you should do it for the love and not the money. If you go into it with money in mind, you are more easily setting yourself up for failure.