Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Tuning Your Social Security Benefit When should you take your Social Security benefit?