What are your dreams and goals in life? How do you intend on achieving your goals? These are questions you need to ask yourself when you price your dreams. Planning is a major part of pricing your dreams. When you’re at least 5 years away from your desired retirement age, consider how you want to live once you retire and how much it will cost to maintain your desired lifestyle. On average, retired people spend 20 percent or more money than they did before they retired.