I understand where your coming from. But just remember retirement will come one day, and with out working and buying extra fabric today you will not enjoy quilting when you finally retire. That is a good way to think about working today for the future. I got to retire when I was 52, went back to work for a short time, but still cannot find enough time to do everything I need to get done in a day. You would think I could. Well back to my quilting and enjoying retirement.