I am also retired, and being the primary breadwinner in our household, I have always been frugal. That has definitely not changed as it is just in my DNA. I will buy what I want, but like everything I do buy, the value must be, in my mind, equal to the price. I do not pay "retail" for fabric - and I sew not just quilts but clothing for myself, my friends and some of my family. I have not for one day been spoiled, as I have worked for everything that I have. I have been very lucky in my life to have had a great career, the ability to save for a good retirement, and a very wonderful husband.