Stitch124 -- I only have one suggestion...Quit buying fabric now and start to set aside the money you would spend so that you have it when you retire. I bought a lot of fabric when I 1st started quilting, and as I have progressed I have wanted to try new things. You will find the fabric you have bought might not be what you want when you finally retire. But I would be aggressive about saving that money only for quilting. I know from experience that when you see something on sale or cute it's hard to pass it by, but you could be a lot happier in the long run. I hope you have a great time in retirement.