text: People should have goals all through life and retirement is no different.  Goals such as getting educated and employed, getting promoted with better salary, getting married or not, having children or not, buying a home or not, when to retire, etc.  Every goal depends on whether you can afford it or how, (maybe by sacrifice).  
  Determining how much you spend and how much you have to spend so that you can live is most important.  How much you will no longer have to spend after retirement has to be taken into consideration.  Only then can you decide what is important and what is a dream.  Everyone's circumstances will be different and decisions will be required as you have done through life and most didn't have an advisor then.