I've definitely planned out what to do with large lotto wins I will never have. Looked at moving overseas or interstate. I've considered moving into a unit right in the centre of Melbourne so I can enjoy all the activities there, or moving to a big block of land in the middle of nowhere and fixing up a rundown place.

I think it is a healthy thing to do, as long as you are not doing it with rose-coloured glasses and making yourself unhappy with your current circumstances. If you are doing it realistically it often ends up highlighting things that are important to you - things you would miss if you made different choices, and sometimes things you really want that you are actually able to do now.