Instead of train stations you have railgun station funnels and personal "coffin gliders":

- Railgun shoots you to your destination.

- The coffin/glider employs "smart bomb" like guidance

- Similar "railgun like" device to capture the energy when you land.(Think regenerative braking like in cars).

New suburb developed? No requirement for laying track or organising trains or schedules. Just program the new longitude/latitude/altitude coordinates and shoot 'em there!

But my idea doesn't keep you young. I love your solution being the answer to "I am wasting my life in commute"!