Macy's offers the Free People Women's Sabina Ginger Lace-Appliqué 2-Piece Dress in Green or Red for $17.66. Pad your order with a beauty item (they start at $3) to bag free shipping; otherwise, shipping adds $10.95. That's $70 off list and is the lowest price we could find. It's available in select sizes from XS to L.
Uncle Sam could take a hefty chunk of your retirement income if you botch this.