I am also retired. I usually get up in the morning, grab a cup of coffee and head to my sewing room. I try to sew for at least 2 hours before I begin my day. Depending on my schedule, I may go back in the afternoon and sew some more.
At night, I try to do handwork - bindings or applique - while I watch TV.
This schedule seems to work well for me and I am very productive.