I think that if you kept your sewing area neat before retirement, you will after. If you're messy, that won't change with retirement.
I am retired...I keep my area clean because it's just easier to find things and to work in an uncluttered area.
I buy new fabric, but not as much..mostly to supplement what I have. I try to use my fabric...at least some of my stash in most quilts. I bought fabric in 5 yard increments so that I could use it as backing if I need to.