I would stock up on patterns that I would make if I had time. Once you retire, you can sew all day if you want to. Then I would beef up my stash to make the patterns. Hunt on the computer for free patterns and then make your own kits. If you don't want to do that, just stash away some money to get fabric for when you retire. Now that I'm retired, I wonder how I had time to work. lol
Sue