Lorchen, I understand the wait for retirement...I'm doing the same. In fact, I am 63 and could already retire, but if I work another three years, my financial picture will be a bit better. Still, I'm giving some serious thought to retiring in about a year or even sooner to pursue full time quilting and writing. I wish you well in your someday machine upgrade goal. I have one myself...either an 830 or a longarm with a custom shortened frame in about a year. Funny how I waffle one way (the Bernina 830) one day and the other way (a longarm) the next. Maybe by the time I retire, I'll figure it out.
(I have to give them all a good try out).