I just bought the Tin Lizzie Queen Quilter, because I was told it was the upgrade from the Tin Lizzie 18. I was thinking a lot of the same thoughts you were. I have the money, but should really invest it for future income. Then it hit me - you only go around once, enjoy it. Do what makes you happy. I am still learning on it, and it is a huge learning curve, but I know I'll have it and use it fro the rest of my life, and possibly will it to my daughter. Maybe in time I'll get good enough to quilt for others, then it will have been an investment.