Jewelry is often used in dreams to highlight your spiritual gifts and to emphasize that most precious part of your nature. You use them to repay your karmic debts and achieve your life purpose.
Silver indicates a psychic / intuitive ability.
Gold indicates a spiritual healing ability in your hands.
Earrings indicate a channeling ability where you can communicate with spirits.
A chain indicates something you are obliged to develop. Before being born, you promised you would develop your ability to the point where you would use it to help others.