If I were still working and my budget could absorb the purchase price and the inevitable extra expenses, I'd be waiting for the delivery truck to arrive! I'd spend the money now if I had the space for one....and if I had bought one before retirement, I would have the space for one since it would have been needed space vs wanted space when we downsized. Don't set yourself up for regret or disappointmen or guilt....buy it because you want to learn and be able to enjoy longarming for yourself...not to save money, make money or even make it pay for itself. Somethings are intended to be enjoyed...JUST enjoyed. I'm wondering why you're waiting when I reread your circumstances...sounds like you have everything you need for now...and tomorrow is not promised to any of us. I'm looking forward to seeing future posts of your progress as a longarmer!