I agree with CW, for most of us SS is part of what makes pursuing our train hobby possible in retirement. I, too, did most of the major purchasing (postwar Lionel) before I retired a year and a half ago. But now, with the extra time, being able to build a layout and attend train shows is just another reason to max out your SS benefits!
Prior to retiring I cobbled together a 9x11 U shaped temporary layout from a 3x11 shelf and a 6x6 L shaped desk. Using 027 and some 042 curves I came up with enough main line and passing sidings to keep 3 trains out to run. This works for testing repaired engines and accessories. So far this has turned in to the retirement layout but that was due to some older parent needs and planned retirement trips. Like the old retirement joke, there's so much going on I don't know how I had time to work!
