i took early retirement, so got the lower SS. it was my choice as i could not take on the new position i was given rather than laying me off. it makes it hard at times. luckily, i have a large stash and already own many of my quilting toys. [i still long for a larger quilting machine on my frame, though]. to continue getting my quilting fix, i can join the senior group who sews charity quilts with donated materials. but for now, i'm catching up on all the quilts i owe to DGKs, etc.