I have been collecting fabric for fifeteen years without a thought of retirement. I will be at that point in a few years. There is more fabric in my stash than several lifetimes could use up. If I can't afford to finish quilts with batting in my advanced years I'll just keep making tops and turn them into duvets so people can add their own blanket in the winter and remove it for the summer. Money will be tight for me at that point. I'll just keep on making tops!
peace